Other Services

In addition to our great loan, savings and checking account options, we also offer a variety of additional services and benefits for our members.

Accidental Death & Dismemberment (AD&D) Insurance1 - Members age 18 and up are eligible to receive a free $1,000 basic AD&D insurance policy ($500 for ages 70+). This coverage, fully paid for by Palmetto Citizens, pays a cash benefit after an accident results in a covered injury or loss of life. Claim your free $1,000 coverage online today, or visit our TruStage Insurance Page to see additional insurance coverage options.

Coin Counters - Self-service coin counting machines are available at each of our offices and are free to members with personal accounts (business account holders and non-members will be charged a 5% service fee).

Direct Deposit - Save yourself a trip and have your paycheck, tax refund or other payments deposited directly to your Palmetto Citizens account.

Discounted Entertainment Tickets - Members can purchase discounted tickets to Regal Cinemas as well as the South Carolina State Fair (seasonal) at any of our locations. We also offer access to discounted tickets to Carowinds at www.carowinds.com/save (this discounted program is offered through the Carolina Credit Union League). Carowinds tickets are not available to purchase in our offices.

Foreign Currency - Palmetto Citizens partners with Currency Exchange International (CXI) for our members to be able to purchase and sell foreign currency at any of our offices (whole dollar increments, no coin). CXI offers competitive rates on over 80 different currencies. When currency is purchased, it will be delivered by the next business day, and may be shipped to one of our offices or directly to your home (signature required on all deliveries). Visit our office or contact us for more information.

Free Financial Counseling – All members have free access to GreenPath Financial Wellness, a money management and financial education counseling service. Certified financial counselors are available to assist you with a variety of financial needs and questions.

Low Cost Loan Protection2 - Your family's financial well-being is protected when you choose credit disability and life insurance coverage. Disability insurance can cover your loan payments if you become disabled and cannot work. Credit life insurance covers the remaining balance of your loan in the event of your death.

Notary Service - All Palmetto Citizens members have free access to the notary public in each of our offices.

Safe Deposit Boxes - Boxes are available to rent annually in the following sizes: 3x5, 3x10, 5x10 and 10x10. Please contact us about location availability.

Senior Benefits Program - Our Very Important Palmetto Seniors program is available to members ages 55+ who have a PCFCU checking account (open at least 90 days) with a minimum of 10 transactions per month and a monthly direct deposit into the account. This program is free for those who maintain a combined average monthly balance of $100 or greater in deposits and/or loans. Benefits of this program include:

  • Three free boxes of custom checks a year3
  • Free 3x5 safe deposit box or discount on larger size4
  • Simple will through local attorney - $25
  • No-cost Financial / Estate Planning from Palmetto Citizens Investment Services
  • Free Money Orders & Cashier's Checks (limit 5 each per visit)

Visa® Gift Cards - Palmetto Citizens Visa® Gift Cards give recipients the flexibility to choose what they want and can be used at any merchant retail location5 accepting Visa around the United States. Cards are available in any whole dollar amount between $10 and $1000.6

1TruStage is the marketing name for TruStage Financial Group, Inc. its subsidiaries and affiliates. Securities distributed by CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer, 2000 Heritage Way, Waverly, IA, 50677. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All guarantees are based on the claims paying ability of the underwriting company. Insurance products are issued by CMFG Life Insurance Company, MEMBERS Life Insurance Company, CUMIS Insurance Society Inc., CUMIS Specialty Insurance Society Inc., American Memorial Life Insurance Company, and Union Security Insurance Company.AD&D Insurance is offered by TruStage Insurance Agency, LLC and underwritten by CMFG Life Insurance Company. The insurance offered is not a deposit and is not federally insured or guaranteed by your credit union. ADD-1112-BC54. 2This is not a policy or contract of insurance. Please contact the credit union for full details, limits and restrictions. These products are offered through a third party, CUNA Mutual Group. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions, and exclusions of this voluntary product. 3Limited to one box per order for security. 4Subject to location availability. 5Cannot be used at ATMs or for cash advances. Limited for use in the United States (including extensions such as US military bases) and its territories. 6Purchase fee of $2.50 added to the cost of the card. Monthly inactivity fee of $2.95 charged after 12 consecutive months of inactivity. Lost/stolen replacement card fee is $5.00.