Pursuant to the USA PATRIOT ACT (Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism), every financial institution in the United States will be required to ask new and existing members for identification prior to opening new accounts, adding individuals to existing accounts (and for some transactions like wires and ACH).  This rule became effective on October 25, 2002.

If the staff of the PTFCU asks you to provide a Valid Photo ID, the request is not meant to invade your privacy, or not acknowledge you if you are a long-time member.  We are simply complying with a federal regulation that is designed to protect you from identity theft and protect the credit union from being used for criminal activity.

For Account Transactions, you will only be asked for one form of ID.  If you are opening a new account or adding someone to an existing account, you will be asked to provide at least two forms of ID.  IF you do not have this information with you at the time you make your request, we will not complete the transaction until it is provided.


 The following is a list of acceptable IDs.  The ID provided must show your name, Social Security Number/Tax Identification Number, residence, and date of birth.

One form of identification MUST be a valid photo ID like a(n):

Other identification documents can be:                    
  • Un-expired State Driver's License
  • Military ID Card
  • Passports
  • Immigration Cards
  • Any other form of Government-Issued ID
  • Employer-Issued Photo ID **
  • Student ID Card **
  • Social Security Cards
  • Certified Birth Certificates
  • Pay Stubs
  • Immigration Documents
  • Un-expired Employment Authorization Documents
  • Utility Bills

** The last 2 forms of ID must be accompanied by a recent pay stub or

Social Security Card showing your Social Security Number.  Students may be asked asked to provide the name of a school official who can be contacted to confirm identity.

Individuals opening accounts for minor children will have to provide ID for themselves, and a valid Social Security Card for

the minor child.


Employees and Pensioners of NEW JERSEY TRANSIT are eligible to join the PTFCU.

Once your eligibility requirements are met, you must complete a membership application and open up a Share (Savings) Account with a minimum $5.00 Balance.  You will receive a full membership packet at the time of opening.


Once you become a Member/Owner of PTFCU, you can be a member for as long as you remain an employee in good standing of New Jersey Transit.  You are also eligible for any services the credit union offers.

USA PAtriot Act Policy


How to Join