"Doing business with you people makes my heart sing!"
~ Amy of Austin, TX, Member since 2003

Deposit Slips Calculator Rates Open Super Saver Accounts

  • No monthly service fees
  • Monthly tiered dividends
  • Worldwide ATM access including Rochester's largest surcharge-free ATM network - Six free ATM withdrawals per month ($2.00 thereafter at non-Pittsford FCU machines)
  • Internet and telephone banking
  • eStatements & eAlerts (email notifications of account status)
  • Deposits federally insured to at least $250,000 by NCUA

* The USA Patriot Act requires Identity verification for all new accounts. A $5 balance in Super Savings or Checking is required to maintain membership. Membership subject to eligibility.

Deposit Slips Rates Open Checking Accounts

  • No monthly service fees
  • Monthly tiered dividends
  • Deposit federally insured to at least $250,000 by NCUA
  • Free eServices
  • PFCU VISA Debit Card
  • Checks
    • 150 Free checks
    • Unlimited check writing
    • Minimal charges for check reorders (Free for member age 60+)
  • Overdraft Protection available
    • Automatic transfer from other PFCU accounts, $2.00 transfer fee applies
    • Automatic transfer from Overdraft Line of Credit protection, interest charges may apply

* The USA Patriot Act requires Identity verification for all new accounts. A $5 balance in Super Savings or Checking is required to maintain membership. Membership subject to eligibility.

Calculator Rates Open Traditional & Roth IRA

  • No annual Fees and no account minimums
  • Monthly tiered dividends
  • No withdrawal or transfer fees
  • Term certificates available
  • Deposits federally insured to at least $250,000 by NCUA
  • IRA specialists on staff

If you have questions about IRAs ask to speak with an IRA Specialist.
Click Here for more information on IRAs.


* The USA Patriot Act requires Identity verification for all new accounts. A $5 balance in Super Savings or Checking is required to maintain membership. Membership subject to eligibility.

Calculator Rates Purchase Certificates

  • Dividends paid monthly
  • $50 minimum investment
  • Flexible terms available from 2 to 48 months
  • Option of rolling it over into another certificate upon maturity
  • Certificate will automatically redeem to the funding account upon maturity
  • Extra 0.10% earned for individual Certificates $90,000 or more
  • Deposits federally insured to at least $250,000 by NCUA
  • Disclosures

Rates Open Special Purpose Accounts

We offer the following special purpose accounts:

  • Custodial - Funds are controlled by a parent/guardian but owned by the minor
  • Simple Totten Trust (POD) - Funds are payable equally to each beneficiary listed upon death of all account owners
  • Non-Profit Organization - available for non-profit organizations, associations and clubs located in or benefitting our field of membership
  • Estate - Funds are controlled by the appointed executor, executrix or administrator(s)
  • Revocable Living Trust - available for revocable living trust drawn in NYS with approval by credit union counsel
  • Power of Attorney (POA) - A POA designation allows a designated non-owner of an account to transact on behalf of the account owner. Note POA documents dated 9/1/09 or after must be approved by credit union counsel
  • Representative Payee - Funds are managed by an individual or organization appointed by SSA to receive Social Security and/or SSI benefits for someone who cannot manage or direct someone else to manage his or her money. Learn More

* The USA Patriot Act requires Identity verification for all new accounts. A $5 balance in Super Savings or Checking is required to maintain membership. Membership subject to eligibility.

Youth Products
Check out Our 5.00% APY1 Youth In The Money Certificate
Click on your age category for details...

Open In The Money Kids Account (Age 12 & Under)

In the Money

For Kids Age 12 & Under

Dollar Bill and Sally Cents want kids to know that you're never too young to start making smart decisions about your money. With an In the Money Kids Account, kids can learn the benefits of saving for the future, spending wisely, and sharing with others.

Save:

  • In The Money Custodial Savings Account with dividends - Current Rates
  • In The Money Certificate
    • Minimum Rate, 5.00% APY1
    • Minimum Investment, $50, Maximum Investment, $500
    • Additional Minimum Investments, $50
    • 12 Month Certificate automatically renews until minor turns 21
    • No penalty for early withdrawal
    • One account per minor member
    • This Certificate requires that the associated account statement be combined with a parent/guardian's Statement or receive an eStatement only
  • Additional Certificates - Current Rates
    • Open with as little as $50
  • Free transfers from parent or guardian account to In The Money Kids Account - a great way to help kids save their allowance
  • Free coin counting at the Pittsford branch

Spend:

  • Discounts on Regal Cinemas and Nazareth College Arts Center - Learn More

Share:

  • Resource list of community organizations that Pittsford FCU supports for those who are seeking volunteer opportunities or places to donate money - Learn More

And Have Fun:

  • Dollar Bill and Sally Cents gift bag upon joining
  • A prize from Dollar's Treasure Chest each time you make a deposit to your account
  • A fun sticker on every deposit receipt

1 APY = Annual Percentage Yield. Dividends posted to share account monthly. Member must be 21 or less to qualify.

Open In The Money Account (Age 13-21)

ITMPlus

For Youth Age 13-21

Texting teens and young adults know that “itm” stands for “in the money.” Older teens and young adults know the power of money as they work, plan for, or already attend, college. An ITM Account can help you make smart choices with your money - how to make the most of your savings, how to spend wisely, and even how to share what you earn.

ITMCalc
Calculate Your Savings




ITMCar
Thinking of Buying a Car?



BalanceTrack

  • Money Management
  • Drive Away Happy
  • Teens and Money
  • The World of Credit Reports
  • Identity Theft
  • Finances for College Students
  • And More

Save:

  • ITM Super Savings Account with dividends - Current Rates
  • In The Money Certificate
    • Minimum Rate, 5.00% APY1
    • Minimum Investment $50, Maximum Investment, $500
    • Additional Minimum Investment, $50.00
    • 12 Month Certificate automatically renews until minor turns 21
    • No penalty for early withdrawal
    • One account per minor member
    • This Certificate requires that the associated account statement be combined with a parent/guardian's Statement or receive an eStatement only
  • Additional Certificates - Current Rates
    • Open with as little as $50
  • Free Internet, mobile and telephone banking transfers from parent or guardian account to ITM Account - a great way to provide an allowance or emergency funds
  • Free coin counting at the Pittsford branch

Spend:

  • ITM Checking Account with VISA Debit Card*
    • Access to Rochester's largest surcharge-free ATM network
      • 6 free ATM withdrawals per account per month. Each additional withdrawal transaction costs $2.00. Transactions completed at PFCU ATMs in our branches are not counted toward the 6 free transactions. - Find an ATM near you
    • Free Internet Bill-Pay Service
    • Overdraft protection to savings available. Each overdraft transfer costs $2.00
  • Free Internet, mobile and telephone banking
  • VISA Gift Cards available. Load a card with money from your account and use it anywhere VISA is accepted. - Learn More
  • Discounts on Regal Cinemas and Nazareth College Arts Center - Learn More

Share:

  • Resource list of community organizations that Pittsford FCU supports for those who are seeking volunteer opportunities or places to donate money - Learn More

Learn & Earn up to $100:

  • $50 bonus when you set up Direct Deposit2
  • College scholarship opportunities for high school seniors
  • BalanceTrack online course completion rewards3
    • Earn $25 when you open your first Checking Account and complete the BalanceTrack Checking Account Management course - Take the course now
    • Earn $25 when you establish credit with Pittsford FCU and complete the BalanceTrack Credit Matters course - Take the course now

*: Age 13-17 requires BalanceTrack Checking Account Management course, Debit Card Responsibility Pledge, and a parent/guardian joint owner is recommended.

1: APY = Annual Percentage Yield. Dividends posted to share account monthly. Member must be 21 or less to qualify.

2: A one time $50 bonus is paid after your first payroll Direct Deposit is received. Please allow up to 1 week for processing.

3: The BalanceTrack online course rewards will be deposited directly to the ITM Checking Account upon satisfactory completion of terms, 80% or better on quiz and opening specified product. All accounts must be in good standing. There is a maximum $50 BalanceTrack course benefit per member. Please allow up to 1 week for processing.

"I love being a part of the credit union!"
~ Deeanne of Rochester, NY, Member since 2004

Request a Card Card Assistance Disclosures VISA Debit & ATM Cards

VISA Debit Card

More than an ATM Card, the Pittsford FCU Debit Card makes it fast & easy to pay for almost any purchase without the hassle of carrying a lot of cash, a checkbook or balances on your credit cards. Your Pittsford FCU Debit Card can be used practically anywhere. Enjoy all the benefits of convenient ATM access plus:
  • You can present your card to a merchant at time of purchase, and the purchase amount will be deducted from your checking account*
  • Great for catalog and mail purchases
  • The detailed transaction will be shown on your monthly checking account statement or can be tracked anytime by using Internet or Telephone Banking.
  • No need to show ID
  • No waiting for check approval
  • Accepted anywhere Visa is - over 20 million locations worldwide
  • Debit Card purchase transactions are absolutely FREE
  • Debit Card Disclosure Information (PDF)



Click here to order your
ATM Card

Pittsford FCU ATM Access Details

Use your Pittsford FCU Card to make up-to-the-minute account inquiries, withdrawals and transfers 24 hours a day, 7 days a week at any ATM displaying the VISA, CIRRUS, NYCE, or SUM ATM network logos. Just click to find the ATM machine nearest you.
  • 6 free transactions per account, per month**
  • Withdraw up to $1000 cash per day ***
  • Check account balances and transfer funds between savings and checking accounts
  • Make purchases at most point-of-sale locations, like Mobil, Wegmans, and Target.
  • Ability to change your PIN at any Pittsford FCU Branch

* Limit of $2,500.00 per day.
**There may be a fee associated with these transactions imposed by other financial institutions.
*** The ATM operator determines the actual limit.

Direct Deposit Form Direct Deposit / Withdrawals

Put the lunch back into your lunch hour!!!

Save time and energy by having your check directly deposited into your Pittsford Federal Credit Union account. Direct deposit is the fast and safe way to handle your payroll check or tax refund.

  • No standing in line at the branch to deposit your check.
  • No more worries about losing your paycheck before you can find time to deposit it at the Credit Union.
  • Your money is available on the same day it's paid.

Sign up for Direct Deposit Today:

  1. Print out our convenient direct deposit form or contact your employer's payroll or human resources department to obtain your employer's direct deposit authorization form. Use the following information to complete the form:
    Routing Number: 222381918    (also referred to as the ABA number)
    Provide your account number.
    Designate whether you would like the funds placed in your savings or checking.
  2. Return the form to your payroll representative.
  3. Please let us know if you have any questions. You may call us at 585-624-7474 or 800-836-8010 or send us an email. If your payroll representative has any technical concerns, advise them to call us.

On the other hand, if you are tired of rushing to get your bills in the mail on time, you should be aware that we accept automatic withdrawal requests from any company that uses the ACH system. Providing you have sufficient funds, your bills will be paid on time, every time.

For your convenience we offer ACH withdrawals (direct debit) of mortgage payments from other banks (money from X-Bank to Pittsford FCU mortgage payment)

Utility Payments Made Easy

Many local merchants offer the ultimate in convenience for bill payment. ACH Direct Debit is a method that authorizes a vendor, such as Rochester Gas and Electric to automatically debit your account each month, on the date your payment is due.

This method is superior to our Bill Pay service for the following reasons - 1) You don't have to schedule the payment 2) You don't have to remember the amount 3) It is processed at the very last moment possible for on-time payment.

Additionally, you help the credit union by choosing this method, as each ACH Direct Debit costs just 0.25 cents - not twenty five cents, but one-quarter of one cent. For comparison, each payment done through our Bill-Pay service costs the credit union 42 cents. The savings for the credit union is real, and the convenience you'll enjoy is real as well.

Use the following list to help you establish automatic ACH Debit Payments for your vendors today!

Have questions?

Don't hesitate to drop us an email, or give us a call - either way, you will receive fast, courteous, and complete service from our member service team.

The credit union will always be there to help if you need to suspend your authorization for any reason.

Wire Transfers

Incoming Wire Transfer Instructions

It is very important that you have all of the information listed below. If a wire comes in without any part of the information below we can not guarantee posting.

Our Accounting Team will verify and post these incoming wires daily. They will be posting around 11am and 2pm each day. If you are waiting for one in particular, just send us an e-mail stating your name, account number and amount if known. When it comes in we will send you a confirmation reply.

Wire to: Alloya Corporate FCU
4450 Weaver Parkway
Warrenville, IL 60555
ABA Number: 271987635
Account of: Pittsford Federal Credit Union
1321 Pittsford Mendon RD
Mendon NY 14506
Account number: 222381918
For further credit to: Your name
Account number: Your account number
Wire Instruction Template

Incoming International Wires

Pittsford FCU does not have a Swift Code. As such, the foreign bank must send the wire via their U.S. Correspondent Bank. The U.S. Correspondent Bank will then wire the funds to Pittsford FCU's account at Alloya Corporate FCU using the instructions above.

Outgoing Wire Transfer Instructions

Please contact the credit union for Outgoing Wire Transfer Instructions.

Additional Services

Pittsford FCU offers a variety of other services that as a member, you'll probably take advantage of from time to time. While none of these services alone are enough to convince you to bank with us, they do demonstrate our commitment to offering you a full variety of financial services.

  • Bank Checks are provided without charge
  • US Savings Bonds redeemed with no fees
  • Notary Services provided at no charge
  • Signature Guarantees at no charge
  • First class Postage Stamps are sold at cost

Discount Offers

We're always looking for ways to help our members save money. Here are just a few of the options we've found. Your Pittsford FCU Membership qualifies you for the following discounts:

Discount Tickets

Venue Price Savings Important Information
Regal Cinemas $7.00 $3.50 Two week restriction on some releases
Seabreeze Amusement Park $27.99 $4.00 Online Ride & Slide ticket purchase with Promo Code 748
Nazareth College
Arts Center
$10.00-$75.00 20% Off All Evening and Family Performances
Check out today's local theater movie listings
provided by the Rochester D&C

Delta Sonic Coupon Books

Coupon Type Price Important Information
SuperKiss Car Wash $45.00 Five Coupons
Professional Detailing $110.00 One Coupon

Defensive Driving Course $25.00

Fee Schedule

We don't have many fees, but unfortunately we can't avoid them all.


ATM Withdrawals

    All Pittsford FCU owned machines Free
    Non Pittsford FCU owned machines 6 free/month then $2 each
 

ATM Inquiries

Free
 

Credit/Debit/ATM Card Replacement

Up to $15

Rush (2 business days)

$35

Rush (Overnight)

$50
 

Deposit Item Returned

$15
 

Non Sufficient Funds/Returned Check

(Paper or Electronic)
$25
 

Research, Including Subpoenas

$25/hour
 

Check Copy cleared within last 6 months

$2

Check Copy cleared 6 months or more

$5
 

Foreign Check Collection

Up to $50

Foreign Check Purchase

$20

Purchase or Exchange of Foreign Currency

$15
 

Overdraft Savings/Checking Transfer

$2
 

Stop Payments

 
    Member's Personal Checks $25
    Official Credit Union Bank Checks $25
    ACH Electronic Payments $25
 

Check Printing

Varies
 

Inactive Account

Up to $36/year
 

Outgoing Wire Transfers Within the U.S.

$20

Outgoing Wire Transfers Outside the U.S.

$40
 

International Service Assessment by Visa
(For Visa Credit Card & Debit Card Trans.)

1% of transaction amount
 

Overnight Mail

$15
 

VISA Gift Cards

$3 each

VISA Gift Cards

Visa gift cards are now available for $3.00 each at Pittsford FCU! The gift card is a prepaid Visa card that can be used everywhere Visa Debit cards are accepted. Stop by either branch location to purchase your Visa gift card today!

Features

  • Convenient and easier to use than checks or cash
  • Balances and purchases can be easily checked at www.harlandclarkegiftcard.com, calling 866-244-5360 or Pittsford FCU at 800-836-8010
  • Cards can be replaced if lost or stolen provided the cardholder can provide their account number
  • Cards are ready to use upon purchase
  • Cards can be purchased for any whole dollar amounts ranging from $25 - $1000
  • Returned purchases can be credited back to the gift card

Quick tips to follow

  • Write down your account number and keep it separate from card
  • Always know your balance www.harlandclarkegiftcard.com calling 866-244-5360 or Pittsford FCU at 800-836-8010
  • Use CREDIT option for all transactions
  • Use your entire balance within 12 months to avoid a monthly fee