COVID-19 Update: New Mask Policy & Remote Service Options

The health and safety of our members and staff remains our top priority.

Our lobbies are open during business hours with additional safety precautions in place to assist you with any of your financial needs or questions. In addition, online/mobile banking, our drive-thru lanes, ATMs, automated phone service (803-256-4073), online applications and/or our Call Center (803-732-5000) are also available for you to perform most of your transactions or requests.

Masks Now Optional for Vaccinated Individuals: Beginning Wednesday, May 26, 2021, in accordance with CDC (Center for Disease Control) guidelines, Palmetto Citizens will no longer require vaccinated individuals to wear masks in our offices.

  • If you have not been vaccinated or prefer added precautions, please continue to wear a mask and practice social distancing while visiting our offices.
    • Palmetto Citizens will not ask for or verify any vaccination documentation from members or other visitors to gain entrance to our offices. We're asking those who visit us to adhere to the guidance from the CDC and help us in continuing to keep our staff and members safe.
    • If you are wearing a face covering, you will be asked to remove it briefly from covering your face and show your ID so we can verify your identity prior to entering our office.

For security purposes, the doors to our offices are locked. When you visit, a staff member will open the door to assist you. Our lobbies still have protective shields and cleaning protocols in place, and will encourage social distancing when appropriate, to continue to keep everyone safe.

Please DO NOT ENTER our offices if you are not feeling well (including having a fever, dry cough, muscle aches or other flu-like symptoms) or if you have been diagnosed with COVID-19, in the past 10 days.

We appreciate your patience and understanding during this process. As this situation continues to evolve, please check back to this page for the most up-to-date information.

Account Access Options

Aside from our lobbies and drive-thru lanes during business hours, the following services are also available to you:

  • Online Banking: Check balances, make transfers or loan payments, send us secure messages, apply for a loan, open certain savings accounts, skip eligible loan payments and much more, using online banking.
  • Mobile App: Use our mobile app to view balances, deposit checks,* make transfers or loan payments, send us secure messages, skip an eligible loan payment and more.
  • ATMs: We have over 40 ATMs across the Midlands which accept cash and check deposits. In addition, members have access to over 30,000 ATMs across the country using the CO-OP ATM Network.
  • Automated Phone Service: Access your account using TellerLine, our automated phone response service by calling 803-256-4073.
  • Call Center: During business hours, you can call us at 803-732-5000 for account assistance or to answer any questions you may have.
  • Membership Application: If you'd like to become a Palmetto Citizens member, you can begin your membership application online to open your initial savings account.
  • Loan Application: You can apply online for your next vehicle loan, mortgage, equity loan, credit card or other personal loan.

If you have any questions about how to best perform your transaction or request, please contact us by calling 803-732-5000 or sending a message using the Help Desk in online/mobile banking.

We're Here To Help

Palmetto Citizens is here to assist you and your financial needs. If you're experiencing any hardships during this time, please contact us to find out how we can best assist you.

In additon to our staff offering you personalized assistance with your loan payments or other financial needs, Palmetto Citizens members also have access to the following services:

  • Skip a Payment in Online/Mobile Banking: Members can skip an eligible loan payment through online/mobile banking for a $35 fee. To check your eligibility, log in and choose ‘Skip a Payment’ from the menu. As this feature doesn’t cover all loans or situations, please contact us to discuss all the options available for you and your loan.
  • Free Financial Counseling: All members have free access to GreenPath Financial Wellness, a money management and financial counseling service. Certified financial counselors are available to assist you with a variety of financial needs.
  • Financial Education Center: Use our Financial Education Center to expand your financial knowledge on a variety of topics, including: budgeting, saving, wise use of credit and retirement plannning.
  • Money Desktop: All members have access to this easy-to-use, helpful tool to assist you with budgeting, account aggregation, auto-categorization of transactions and debt management. Log into online or mobile banking and select Money Desktop from the menu to get started.

If you have any quesitons, or if we can assist you with any of your financial needs or questions, please do not hesitate to contact us by visiting one of our 14 Midlands locations (mask and ID required to enter), sending a message through the Help Desk in online/mobile banking or calling 803-732-5000.

Next Round of Economic Impact Payments

The Internal Revenue Service (IRS) begun issuing the third round of Economic Impact Payments, also known as stimulus payments. Palmetto Citizens processed these deposits as we received them and members who provided their direct deposit information to the IRS for their PCFCU account started to receive their payments as early as 3/12/21. For more information, please visit the IRS website or our Economic Impact Payments Page.

SBA Paycheck Protection Program

DEADLINE TO APPLY IS MAY 31ST: Palmetto Citizens is again accepting loan applications for the Small Business Administration’s (SBA) Paycheck Protection Program (PPP).

The SBA is accepting applications from eligible businesses, including those who have received PPP funding during previous rounds of the program. We will accept and process completed applications until the 5/31/21 deadline, or until funds are no longer available.

Contact us to apply or visit the SBA’s PPP website for more information.

Beware of Scams

Please be aware that fraudsters often follow the news headlines and will create scams related to COVID-19. As always, be cautious of suspicious emails, text messages or phone calls that may impersonate a company, charity or government agency. For more information, please visit our Coronavirus-Related Scams Page.

Strength & Security of Our Credit Union

In light of economic developments and concerns regarding COVID-19, you may have questions about the security of your funds and overall strength of our credit union. You can be confident Palmetto Citizens is well-capitalized and continues to operate in a safe and secure manner.

Funds deposited in our credit union are federally insured by a fund backed by the full faith and credit of the U.S. government. As the FDIC does for banks, the National Credit Union Share Insurance Fund (NCUSIF) insures savings of at least up to $250,000 per individual depositor. The NCUSIF is administered by the National Credit Union Administration (NCUA), an agency of the federal government. For more details, click here.

COVID-19 Community Relief

During this pandemic, many organizations have been doing important work to assist and care for those impacted in our community. To further help our community during this difficult time, Palmetto Citizens made additional donations to the following organizations to assist them and their COVID-19 relief efforts: Harvest Hope Food Bank, Prisma Health Midlands Foundation, Lexington Medical Center Foundation and United Way of Kershaw County. For more information on our community relations efforts, please visit our Community Page.

*For eligible members.