Pre-Authorized Transfer (PAT)

Grow your savings 

PATs 

Pre-Authorized Transfers (PATs) automatically transfer funds to your savings account on a schedule that works best for you & your lifestyle. It is a simple & smart way to grow your savings. 

Here at RCU we refer to automatic transfers as PATs.  You may also know them as direct debit, AFT, EFT, PAP, PAC & PAD. Regardless of their different names, they are all used to help build your savings. Whether you are saving for a future purchase, retirement or an emergency fund – it’s important that you understand what a PAT is and how to set one up!


MAY Promo

if you start a PAT, or increase an existing PAT, you'll go home with a plant potted in one of our new RCU mugs. Set up a PAT, take home a plant! 


How does a PAT work?

  • you choose an amount to be withdrawn from your account on a reoccurring basis
    • daily, weekly, bi-weekly, monthly, etc.
  • the money gets deposited directly into a savings account of your choice 
  • watch your savings GROW! 
    • We like to think of it as paying yourself first – for all the hard work you do!


How can I set up a PAT?

  1. Decide on a dollar amount you’d like to start savingo don’t worry – this amount can be changed at any time!
  2. Pick a schedule that best suits your budget & lifestyleo daily, weekly, bi-weekly, monthly or yearly - we recommend lining them up with your payroll or other deposits!
  3. Watch your savings grow – literally! There’s no need to babysit your PAT
  4. Give one of our Investment Specialists a call & they will take care of the rest!


Learn more - PAT Info Sheet


Janet Breti

P: 306.746.2160 ext 288
​E: jbreti@raymorecu.com 

Alicia Sentes

P: 306.746.2160 ext 232
C: 306.706.7085
E: asentes@raymorecu.com