St Louis Postal Credit Union
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ATM (Automated Teller Machine) | ATM/Debit Cards | Bill Pay
Direct Deposit/Payroll Deduction | e-Statements | 24 Hour Loan By Phone
Overdraft Protection |PCRITA (Online Banking) | RITA (Audio Response)


My Travel Wallet is a web-based foreign currency purchasing solution and a convenient way to
travel near or far.


24-Hour Services

ATM (Automated Teller Machine) - All transactions made at St. Louis Postal ATM's are absolutely free! There is no surcharge or access fee for using our ATMs. When a member uses an ATM that is not owned by SLPCU, however, there is a nominal fee of $1.00 charged per transaction. At other financial institutions, this fee can be considerably more. You can make withdrawals, deposits, loan payments, transfers, and inquiries at credit union-owned ATMs. For a list of our ATM locations visit Branch/ATM locations.


Postal Credit Union ATM Network - Are you doing any traveling_ Now you can use ATMs at some of the postal credit unions across the country without being charged any fees. Click here for a list of participating credit unions.


ATM/Debit Cards - You don't have to worry about running out of money or rushing to the credit union before it closes because the St. Louis Postal Credit Union offers ATM/Debit cards. Convenience is at your fingertips. You can use your ATM/Debit card at grocery stores, shopping malls, financial institutions, resorts, airports, anywhere Visa® is accepted. Your purchases will be automatically deducted from your St. Louis Postal Checking Account. Your credit union ATM/Debit card can be used at any one of the local STAR® or CIRRUS® facilities across the country, as well as PLUS®, VISA®, MasterCard®, and American Express® networks.



Verified By VISA
Your Visa debit card is now protected by Verified by Visa-it password protects your card for free when you shop online. The next time you shop at participating online stores, you'll see some new screens. Enter the information requested to activate your card in order to complete your transaction. It only takes a moment, and then your card will have password protection whenever you shop online. Shop online with greater security at participating stores listed at www.visa.com/shopverified.


Bill Pay - Don't have time to sit down and spend over an hour paying the bills_ Well, with SLPCU's Online Bill Pay, those days are gone! To setup Online Bill Pay, log into PCRITA, click on the new 'Bill Pay' section and it will walk you through the process. The first 120 days are free. After that, Bill Pay is free if you have direct deposit, e-Statements, and if you pay at least 3 bills per month. If you don't meet those requirements, Bill Pay is only $3.95 a month. After approval, you can schedule payments to anyone from the babysitter to the electric company. We know how valuable your time is so spend it doing something you enjoy! Sign Up for Online Bill Pay today!
More questions_ Check out our FAQs page for more information on Online Bill Pay.


Direct Deposit/Payroll Deduction - While everyone else is waiting patiently for their checks on payday, your funds are already on deposit at your credit union and ready for use. Direct deposit is especially convenient when you are sick, on vacation, out of town, or just don't feel like fighting the payday crowds. You can have your payroll, Social Security, or retirement benefit checks automatically deposited to the credit union account(s) of your choice. You have the option of sending your pay to one or more credit union accounts; including Savings, Checking, Christmas Club, IRA, family accounts - you can even make loan payments. Just tell us how much you want deposited into each account. This service is absolutely FREE of charge. Contact your payroll department to see if direct deposit is available. If so, you may obtain your authorization forms from the credit union or your payroll department. Complete the authorization forms and we'll take care of the rest.


e-Statements - Why keep track of all your old financial statements when you can have access to them on your own computer_ Reduce the clutter and stay organized with SLPCU's e-Statements! e-Statements is a free service that will make your statements available to you electronically instead of by mail. To sign up for e-Statements, log into PCRITA, click on 'Accounts' and you will find a section on 'e-Statements.' After you are signed up, you will receive a monthly email notification stating that your e-Statement is ready to view on PCRITA. And, if you ever need a paper copy of your statement, simply print it from your computer! e-Statements are easy to store and quick to reference. Simplify your life and sign up for e-Statements today!
More questions_ Check out our FAQs page for more information on e-Statements.


Loan By Phone - Loan Connection is our 24-hours a day, 7-days a week loan by phone. You can apply for a loan anytime, from anywhere, any day of the week. You'll receive personalized service right over the phone, day or night. Your application can be taken in 15 minutes or less. St. Louis Postal Credit Union will process your application the next business day or sooner.


Overdraft Protection - With overdraft protection, if you become overdrawn on your Checking Account, your check still clears (up to your credit limit), but the dollar amount is taken either from your Savings Account or Line-of-Credit Loan Account. The credit union has four overdraft protection plans from which you can choose:

Option I: Funds for overdrafts will be transferred from your Savings Account.

Option II: Funds for overdrafts will be covered by an advance on your Line-of-Credit Loan Account.

Option III: Funds for overdrafts will be transferred first from your Savings Account, and if sufficient funds are not available, an advance will be made on your Line-of-Credit Loan Account.

Option IV: Funds for overdrafts will be transferred first from your Line-of-Credit Loan Account, and if sufficient funds are not available, then the transfer will be made from your Savings Account. Open a checking account today with overdraft protection!




PCRITA - This is our free online banking service that allows you to view account balances and account activity, transfer funds between accounts, view Visa activity, transfer funds from your account to make a Visa payment, reorder checks, view cleared checks, download to Microsoft Money® or Quicken® and much more. Now you have access to Online Bill Pay and e-Statements! To gain access to PCRITA, you will need your member number and RITA access code. PCRITA is a secure and dependable method of transacting business at your convenience. Fill out the online application while you're here.

Online Banking FAQ




RITA (Audio Response) - RITA, the account service by phone, allows you to access your St. Louis Postal Credit Union accounts anytime, anywhere, using a touch-tone phone. There is no service fee for using RITA, and there is even a toll-free number, 1-800-325-2696, so you can call RITA from anywhere or locally 314-892-7878. RITA is a safe, dependable method of transacting business at your convenience. You are the only person who knows your member number and access code, and it takes BOTH of these numbers to access any of your accounts. RITA conducts over 20 different transactions 24-hours a day, 7-days a week. You can obtain account balances, make transfers between accounts, and even make a withdrawal by having a check mailed to your home.



View a list of RITA Service Codes and see all that you can do online.