Psecu deposit limit. The remaining $500 is available on Wednesday.

Psecu deposit limit. We know - that word is a mouthful.

Psecu deposit limit Get the guidance you need to take Tools like our mobile banking app help PSECU members bank on the go. Moving into a new place can be both exciting and daunting, especially when it comes to finances. PSECU has both Roth and traditional IRAs available to help you get your retirement savings on track. Depending on the institution, safe deposit You can try depositing a torn check, but if it’s accepted or not depends on the bank. We’ve thought of everything with our digital banking, so it’s easy for you to make mobile deposits, make payments, pay bills, use mobile pay, get alerts, stay informed, and even request your free credit score. The first $500 from a deposit of checks drawn on PSECU will be available immediately. PSECU 1500 Elmerton Avenue Harrisburg, PA 17110 - Instantly move money between PSECU shares and loans. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by PSECU. The excess over $6,500 will be available on the second business day after the day of your deposit. This means you can withdraw up to $500 in cash from any ATM per day using your PSECU debit card. 1 APR denotes Annual Percentage Rate. This $5 share deposit is also required to be Limit one (1) new member $300 New Member Bonus per tax identification number used to open a new PSECU account. deposit an original check at PSECU’s service centers or through PSECU’s ATMs, or by mailing the original check to PSECU. One such enticing offer is the move-in special with no dep Depositing money into an inmate’s account is a crucial way to support loved ones who are incarcerated. Tools like our mobile banking app help PSECU members bank on the go. One important aspect of running a successful business is managing finances effectively. Enjoy no monthly fees, competitive rates, help from real people by phone and extra benefits for being a PSECU) for a deposit of one year or less is based on the assumption that both the deposit and dividends remain on deposit for a full the minimum of a tier, you’ll earn dividends at the rate of the tier that matches your account balance. Box 67012 Harrisburg, PA 17106-7012. Savings Accounts. Direct deposits are an easy way to send or receive a payment. However, there may be times that you need to visit an ATM, specifically when you need to deposit or withdraw cash. Learn about PSECU mobile and online banking fees, funds availability, deposit limits, and more. It eliminates the need to wait for a check in the mail or make a trip to the bank. However, PSECU reserves the right to adjust these daily limits at any time. Joint owners are not eligible. A big benefit is financial security: The National Credit Union Administration (NCUA) federally insures your PSECU retirement accounts up to $250,000. Collateralization, in this case, is defined as making a deposit as security for repayment of the loan. Available insurance products are not deposits of After the 10 days, we’ll automatically re-deposit your balance into another certificate of the same term. If you don’t have direct deposit set up, earn $0. Mobile Deposit ERROR RESOLUTION DISCLOSURE: In case of errors or questions about Your electronic transfers, telephone Us at 800. Rates, terms, and conditions are subject to change. PSECU will make a $5 minimum share purchase on behalf of the member. Jan 3, 2025 · PSECU will take care of your PRPS membership registration as part of your PSECU membership application. ): $4 Limit one (1) new member $300 New Member Bonus per tax identification number used to open a new PSECU account. Most financial instit The most common dimensions of a safety deposit box are 2 by 5 inches, around 10 by 10 inches and a larger option around 20 by 20 inches. You can earn $0. Treasury check) deposited in person. In geography, deposition refers to the way that construct In today’s fast-paced world, efficiency and accuracy are paramount when it comes to financial transactions. The balance of deposits in excess of $500 will be available on the second business day after your deposit. $999,999 ; $99,999,999 $999,999 ; Check Depositing. Fortunately, switching to SSI direc In today’s fast-paced world, convenience is key. We get it—managing your finances can sometimes feel like a chore. Deposit checks without Temporarily increase your daily limit for ATM withdrawals or purchases. A bank deposit slip has the account number, the name of the depositor as it appears Discover Bank’s website lists the five ways to make a deposit, which include an online transfer from an external bank account, direct deposit, via a mobile phone along with Discove In many cases, it is not possible to deposit funds for one bank into another bank’s ATM. See today's checking, savings, certificate and individual retirement account (IRA) interest rates You must meet the requirements of both the $100 Checking Bonus and $100 Direct Deposit Set Up Bonus and maintain the qualifying payroll direct deposit(s) for a minimum of 90 days after the first qualifying payroll direct deposit. Your deposit will appear within online banking and mobile banking the next business day as well. However, PSECU will email notification of items that are rejected by the next To fund the transfer, you can have the service provider electronically debit your PSECU account or you can have PSECU wire funds to the service provider. Note: Deposit amounts may be adjusted up to two business days after a deposit is made. Restrictions, exclusions, limits and conditions apply. PSECU ® VISA DEBIT CARD . O. Pennsylvania State Employees Credit Union is headquartered in Harrisburg and is the 2 nd largest credit union in the state of Pennsylvania. Open a new member account with PSECU and you can earn $300* in bonus cash when you meet promo requirements! New Member Support. Types of Check Tools like our mobile banking app help PSECU members bank on the go. 7328 or write Us at: PSECU, P. The one-time cash deposit maximum is generally $5,000. Please see Classic Card Account Opening Disclosure and Classic Credit Card Agreement and Disclosure for full terms and conditions. Plus, if you use a PSECU debit card at an out-of-network ATM and get charged, they’ll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without. exclusions, limits and conditions apply. Deposits or Loan Payments. PSECU requires a $5 minimum balance to open and maintain a Regular share account. Simply enter your zip code or address, and we'll show you the closest PSECU ATMs. You can earn 2% cash rewards on purchases if you maintain a PSECU checking account and qualifying monthly direct deposit(s) of at least $500. These deposits allow inmates to purchase a variety of items from the prison commissary, such as food, A bank reports a deposit to the Internal Revenue Service (IRS) when an individual makes a deposit in the amount of $10,000 or more, either in one transaction or a series of transac To make a deposit with Tiger Correctional Services, choose the state and facility where the inmate is incarcerated and choose the first letter of the inmate’s last name, reports Ti When a paycheck is deposited directly into a bank account, the employer generally sends out a written or digitally generated pay stub by mail to the employee. Box 67013 Harrisburg, PA 17106-7013. 2 You can earn $0. This $5 share deposit is also required to be Explore PSECU individual retirement account (IRA) rates. Gone are the days of physical paychecks and trips to the bank to deposit them. 1 All PSECU deposit shares, including checking, Regular, additional savings, money market and certificates, are federally insured by the National Credit Union Administration (NCUA) up to $250,000, the maximum allowed by law. PSECU has contracted with LPL to make non-deposit investment products and services available to credit union members. S. The amount of the deposit needed could be as low as $200 or 25% of the credit limit, whichever is greater, and must remain in your Regular savings share as long as you have the secured card. Accept terms and conditions, enter your email address or U. Catholic Charities Finding a new apartment can be an exciting yet challenging process, especially when finances are tight. See the Visa® Founder's Card and Visa® Alumni Rewards Card Rewards Program Terms and Conditions for full details. Box 67010 Harrisburg, PA 17106-7010. If you prove yourself credit worthy, they may give you the deposit back and upgrade you to an unsecured card. If the bank clears checks automatically, then the check may not be processed. This process can often be confusing and varies from facility to facility, so In today’s fast-paced digital world, businesses are constantly seeking ways to streamline their operations and improve efficiency. Limit one (1) new youth account per child per tax identification number used to open a new PSECU youth account. All PSECU deposit shares, including checking, Regular, additional savings, money market and certificates, are federally insured by the National Credit Union Administration (NCUA) up to $250,000, the maximum allowed by law. If you fuck it up, they keep the deposit. Jan 19, 2021 · The limit is a combined limit, meaning if you have both a traditional and a Roth IRA, you can put up to $6,000 in the two accounts in total, not up to $6,000 in each. After the 10 days, we’ll automatically re-deposit your balance into another certificate of the same term. Promotion is open to U. It is also the 40 th largest credit union in the nation. *Funds must be on deposit in your PSECU account for 4 full business days before they may be wired. One area that often requires attention is the payroll process, sp In today’s digital age, the way we handle our finances has significantly evolved. 7328 or send a secure message via digital banking. Members must have PSECU checking or a PSECU loan to be eligible for this service. With direct deposit, you can easily pay your employees without having to worry about manual Finding the perfect apartment can be an exciting adventure, but the process can also come with its fair share of challenges. 1 You can earn $0. When you use your PSECU debit card at a non-network ATM, we'll rebate the fees on your withdrawals - up to $20 per month with direct deposit or $8 per month without. In today’s digital . Sep 14, 2023 · The PSECU daily checking account ATM withdrawal limit is $500. From ordering groceries online to banking on the go, people are constantly seeking ways to simplify their lives. 25% Annual Percentage Rate (APR). Checks Drawn on PSECU. The PSECU customer support library answers frequently asked questions. Check out PSECU traditional IRA, Roth IRA, and Coverdell education savings account (ESA) options. It's just one more way to help you save! To get started, log into PSECU's online banking or mobile app, navigate to Transfers and select Send Money With Zelle®. Discover how to use PSECU’s ATM locator to find a surcharge-free ATM closest to you. These apartments offer a unique rental experience, with their innovative approach to security d Direct deposit is a convenient and secure way to receive payments electronically. 10 cash rewards on eligible purchases of $10 or over with a PSECU checking account and one or more qualifying monthly direct deposit(s) totaling at least $500. To find an ATM near you, simply use our ATM locator tool on our website or mobile app. The remaining $500 is available on Wednesday. Securities and insurance offered through LPL or its affiliates are: Nov 25, 2024 · So now that you’re aware of what to do when making large deposits, the next time you’re lucky enough to have $10,000 to deposit (or $10,000 already in your account to withdraw), ask your bank Limit one (1) new member $300 New Member Bonus per tax identification number used to open a new PSECU account. Deposition is a coastal process. Burt Dubow, a senior partner at Insight Eye Care, explains that a fatty deposit in the eye is called pinguecula, which appears on the white part of the eye due to dryness and e In today’s fast-paced digital world, convenience and speed are key factors when it comes to managing finances. Mobile app check deposit has emerged as a popular solution for depositing checks wit Calcium deposits can be a persistent problem for pool owners, tarnishing the beauty of your swimming oasis. If the money order is made out to you, simply sign it and bring it to your bank to deposit it. Open a PSECU savings and checking account with debit card using promo code: 300PROMO Sign up and log into digital banking (online or mobile). A crucial part of this When searching for a new apartment, one of the biggest concerns for many renters is the security deposit. mobile phone number, receive a one-time verification code, enter it, and you're ready to start sending and receiving with Zelle®. 10 cash rewards when you have qualifying monthly direct deposit(s) totaling at least $500. Certain restrictions may apply. Lock Cards: Prevent further fraudulent transactions by locking your debit or credit card(s) through our online banking or mobile app. This $5 share deposit is also required to be *Not all products, coverages and discounts are available in every state. This $5 share deposit is also required to be Apr 9, 2022 · Earn Maximum Rewards: Earn $0. Jul 3, 2020 · Surcharge-free ATMs + ATM rebates: PSECU members have access to a network of more than 85,000+ surcharge-free ATMs worldwide. Discover what digital banking benefits PSECU members enjoy. It's just one more way to help you save! Whether its one cash deposit of $10,000 or multiple transactions that add up to $10,000, cash deposits must be reported to the Internal Revenue Service (IRS) once they hit that amo A secured credit card is just like a regular credit card, but it requires a cash security deposit, which acts as collateral for the credit limit. But what exactly are they, and how do they work? In this article, we will provi The time necessary to process direct deposits varies depending on the company sending the money and the bank receiving the deposit. PSECU shall have See today's checking, savings, certificate and individual retirement account (IRA) interest rates Feb 3, 2020 · There’s no need to run to an ATM or branch to deposit a check when you have the PSECU Mobile App. 1 If you use a PSECU debit card at an out-of-network ATM and get charged, we'll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without. This $5 share deposit is also required to be (including the outside wall) of PSECU; or (3) Located within 50 feet of the premises of PSECU, and not identified as being owned or operated by another entity. ) The Member Perk for Families Open a PSECU savings and checking account with debit card using promo code 300REFER. Aug 25, 2019 · To temporarily increase your limits on the go, use our mobile app. 50% to 5. PSECU P. This $5 share deposit is also required to be For example, if You deposit two checks drawn on financial institutions other than PSECU in the amount of $700 and $300 on a Monday, $500 of the deposit is available on Monday. ATMs that accept deposits may not have the ability to accept all check types. General Mail. Open a PSECU savings and checking account with debit card using promo code: 300PROMO; Sign up and log into digital banking (online or mobile). A $5 minimum share purchase will be made on behalf of the new member by PSECU. Explore PSECU auto loans, interest rates, and requirements. This $5 share deposit is also required to be If your PSECU account is compromised, take the following steps: Contact Us: Immediately reach us at 800. Open a new member account When you use your PSECU debit card at a non-network ATM, we'll rebate the fees on your withdrawals - up to $20 per month with direct deposit or $8 per month without. Determine if you want cash from your deposit, then sign the slip Commissary deposits are an essential part of an inmate’s daily life in prison. ; Sign up and log into digital banking (online or mobile). Select Manage Cards from the top left menu, select your card, tap Card Limits, and then select either Change ATM Limit or Change Purchase Limit. , Sunday October 27, 2024, and will take several hours to complete. Aug 16, 2024 · Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. It eliminates the need for paper checks and reduces the risk of lost or stolen payments. But at PSECU, we’re all about making things simpler for you. You can deposit checks directly to your checking account in a few simple steps by snapping a photo of the front and back of the check using our mobile deposit feature. No annual fee. One of the most convenient features is mobile app check deposit, allowing users to deposit In today’s fast-paced business environment, efficiency is crucial. Deposit limits. All wires to service providers must be to domestic institutions only. Set up and receive two (2) qualifying payroll direct deposits each of $500 or more. While not the highest you’ll find anywhere in the nation, these are very attractive rates and at the upper end of what banks and credit unions offer. You don’t need to renew your PRPS membership to maintain your PSECU membership. Limit one (1) new member Student $100 bonus per tax identification number used to open a new PSECU account. Visa® Payments. One such way is by implementing direct deposit pa The only true remedy for calcium buildup around the valve of the heart, also called aortic valve stenosis, is surgery to repair the valve. Jan 5, 2025 · If you plan to deposit $10,000 or more into your checking account, there are a few things you should consider first. One of the most attractive options for renters is move-in specials that requ Direct deposit is a convenient way to receive your paycheck or other regular payments. One such co Dr. Checks with smal To fill out a bank deposit slip, write the date, and enter the total amount of cash and checks you are depositing. If you change your payment method to coupon at any time, your interest rate will increase by . Plus, all transactions at our ATMs are secure and protected by the latest technology. 15%. Basically you give the bank some cash amount, usually like $500, and they issue you a card with that credit limit. Once you initiate the verification process, which can take 2-3 business days, you’ll receive one small deposits in your external account. Potential to graduate to an unsecured card in the future. If you opened your checking account without checks but need them now, you’ll need to call us at 800. With our network of ATMs, you can withdraw cash, transfer funds, deposit checks, and much more. Member FDIC. This $5 share deposit is also required to be May 30, 2020 · If you use your PSECU card, you won’t face foreign transaction fees, and if you use an out-of-network ATM and get charged, we’ll rebate fees up to $20/month with direct deposit, and up to $8/month without. Earn up to $300 by meeting promo requirements and get access to high-quality banking services, credit cards, and more. Calcium deposits, often referred to as scale, form due to high levels of Shower chrome fixtures can add a touch of elegance to any bathroom. mobile banking. Credit limits of $200-$2,500. Whether you are depositing money into your personal bank account or hand Are you in search of a new apartment? Look no further than Jetty Deposit Apartments. Download PSECU forms including a credit application form, business loan application form, checking account application form with Visa debit card, and more. There is no limit on the amount of an individual check up to this amount. By law, banks have to report deposits that exceed a certain amount. 237. 2 PSECU is not a credit reporting agency. However, Are you on the hunt for a new apartment? If so, you’ve likely come across various promotions aimed at attracting tenants. EST on any business day, you will receive next business day credit on your account for the deposit. The first $500 of your deposit will be immediately available. You can also increase your limit in online banking by opening the main menu, clicking on Cards, and then choosing Manage Cards. In all cases, it’s your responsibility to make sure you don’t deposit more into your IRAs than the current tax law and your personal income limits allow. That’s why, whether you’re looking to take the headache out of managing your paycheck or just want to earn more rewards, our digital direct deposit service, powered by Pinwheel, is here to help you get the most out of your banking with just a few clicks. The credit union’s current CD rates range from 1. One of the biggest hurdles for many renters is the secu Calcium deposits on a person’s brain can be serious, according to GlobalMD, and can even be life-threatening. Jan 3, 2025 · PSECU will deposit the member incentive bonus into the member’s Regular share within 45 days after the requirements are satisfied. 2. Rebates of up to $20 per month for fees charged by out-of-network ATMs if you have direct deposit or up to $8 monthly without direct Routine maintenance is scheduled for 10:00 a. N/A. Feb 1, 2025 · PSECU CD terms range from 3 to 60 months and a minimum deposit of $500 is required. Feb 26, 2020 · If you own another PSECU account, it’s easier to simply link your accounts so you can transfer money between accounts without being restricted by the limits listed above. One such ta In today’s digital age, mobile banking has revolutionized the way we manage our finances. Deposits will be shown in your balance immediately if completed during business hours. Box 67013, Harrisburg, PA 17106-7013 as soon as You can if You think Your statement or receipt is wrong or if You need more information about a transfer listed on the statement PSECU reserves the right to reduce transfer limits, discontinue this Service, or to suspend account access at any time due to a change in your account conditions or your failure to abide by any applicable PSECU Agreements and Disclosures or these External Account Transfer Service Terms and Conditions . PSECU Promotions Offer #1: PSECU $300 Checking Bonus. Most people who suffer from calcium depos If you’re receiving Supplemental Security Income (SSI) payments, you may be wondering if there’s a more convenient way to receive your benefits. Apr 1, 2024 · The match will be made off the first deposit after the account opening to the Regular savings share. Effective January 1, 2019, the Debit Card Rewards Program (the “Program”) is offered in connection with PSECU’s Visa® Debit Card for its Cardholders and their use with their Checking Shares as defined in the Debit Card Agreement and Regulation E Disclosure, and in conjunction with their PSECU Membership Account. This may include excessive vitamin D intake, renal com In today’s fast-paced digital age, convenience is king. According to the Consumer Financial Protection Bureau, the bank is required to mak As a supporter of someone who is incarcerated, you may have heard about commissary deposit services. With the advancement of technology, many tasks that once required manual effort can now be done with just a few clicks. PSECU will finance up to 130% of the retail value of the vehicle for excellent creditworthiness. - Send money to people you know and trust, typically in minutes between enrolled users, with Zelle®. - Snap and go! Use mobile deposit to easily deposit checks and save a trip to an ATM or branch. To do this, in online banking, select Move Money, then Transfer Out. Join PSECU and enjoy better banking with member-only perks. Sometimes you can opt in for this payment method, an Deposition occurs when the sea loses energy and drops any matter that it may be carrying. Insurance products are offered by PSECU Protect, LLC an affiliate of Pennsylvania State Employees Credit Union (PSECU). PSECU will finance up to 100% of the retail value of the vehicle for refinance of an existing PSECU vehicle loan. 7328, extension 3134 or send a secure message in digital banking. With the advent of Calcium deposits are usually caused by underlying health conditions that increase the amount of calcium produced by the body. Bring money into your PSECU account from accounts you own For example, if You deposit two checks drawn on financial institutions other than PSECU in the amount of $700 and $300 on a Monday, $500 of the deposit is available on Monday. Some exclusions may apply. When depositing cash at an ATM there is no daily cash deposit limit up to our $5 million total deposit limit. “Transaction” or “Transactions” refer to each and all transfers, withdrawals, deposits, payments, items, presentments, fees, and Business Foreign ATM Deposit (non-PSECU ATM): First 3 deposits free per month, then $4 for each additional monthly deposit Business ATM Deposit Adjustment (e. Because the uses are so varied they come in a variety of different sizes. Feb 28, 2020 · Are there limits on the amount or number of mobile deposits I can make? Your deposit limit will display as the “Deposit Limit” after tapping Mobile Deposit. Feb 19, 2025 · The total daily limit when depositing checks at an ATM is $999,999. In addition to the $250,000 of insurance provided on an individual account or combination of individual accounts, you are The first $6,500 of the day’s total deposits will be available on the next business day that we receive your deposit of the following items (other than a U. Overnight Delivery. , paper check, ACH, or other electronic Transaction and including through the use of the Debit card or ATM). During this timeframe, members will not be able to access membership or loan applications. There is no limit on the number of checks a member can deposit per day. One effective In today’s fast-paced world, convenience is key, especially when it comes to managing finances. One area where businesses can significantly streamline their operations is in the payroll process. This $5 share deposit is also required to be PSECU will deposit the member incentive bonus into the member’s Regular share within 45 days after the requirements are satisfied. With direct dep A bank deposit slip is a small form designed to place money into a savings or checking account. Next See our helpful video that illustrates the funds availability timeline for one of our most popular deposit channels, mobile deposit. Your IRA funds are insured separately from your other PSECU shares. Residents who are 18 years of age or older at the time the account is opened. Our IRA options allow you to pick the account that will best put you on a path to financial freedom. Limit one (1) new member $300 New Member Bonus per tax identification number used to open a new PSECU account. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of PSECU or PFS. Instead, you can link your accounts by selecting the Manual Verification (Using PSECU) option to begin the small deposit verification process. , entry errors, math errors, deposit incorrect endorsements, etc. 05 cash rewards on eligible purchases. For some, the upfront cost can be a significant financial burden. To apply for the Secured Visa card, first open a PSECU account. Tradition Direct deposit is a convenient and efficient way to pay your employees. 05 cash rewards on eligible purchases of $10 or over for accounts with a PSECU checking account. g. With our convenient digital banking services, you can manage your money on the go through online banking or the PSECU Mobile App. 99. One area where this is especially true is check depositing. - Bring money into your PSECU account with our external account transfer service. Get up to a $300 bonus when you open a PSECU checking account and making qualifying direct deposits. One of the best ways to ease your financial burden is by negotiating move-in specia Individuals who need assistance paying security deposits can turn to the Salvation Army, especially individuals who are moving from a shelter to a new apartment. deposits, payments, items, presentments, fees, and other transactional activity made to or from Your accounts regardless of medium (e. m. However, over time, calcium deposits can build up on the surface, dulling its shine and making it difficult to c In today’s digital age, businesses are constantly looking for ways to streamline processes and improve efficiency. To Direct deposit funds hit the account within one business day after they are received by the bank. This $5 share deposit is also required to be eligible to receive the bonus, and the member must be in good standing as defined by PSECU's Bylaws Article II, Section 1. Many companies send the electronic payment days When you can automate daily activities, it’s almost always a win. 4 All PSECU deposit shares, including checking, Regular, additional savings, money market and certificates, are If you have a deposit account that was opened more than 90 days ago: If your mobile deposit is completed prior to 7:45 p. There are some occasions in which banks that share a common ATM network can allow customers People use safe deposit boxes to hold a variety of important papers and other items. We know - that word is a mouthful. This type of credit card is backed In real life, integers are used in different sports, and when people utilize banks to deposit or withdraw cash, read a temperature below zero, calculate a loss or gain in stocks or Deposit a money order to an existing bank account the same way as a normal check. Terms Apply. All PSECU deposit shares, including checking, Regular, additional savings, money market, and certificates, are federally insured by the National Credit Union Administration (NCUA) up to $250,000, the maximum allowed by law. This $5 share account deposit is also required to be eligible to receive the Youth Savings rate, and the member must be in good standing as defined by PSECU's Bylaws, Article II, Section I. Sep 30, 2021 · If there’s no in-network ATM near you, remember that if you use a PSECU debit card at an out-of-network ATM and get charged, we’ll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without. Feb 21, 2025 · - Instantly move money between PSECU shares and loans. Plus, experience the credit union difference as a PSECU member. Get the PSECU routing number, learn how to find your PSECU account number, and more. Instead of waiting for a paper check to arrive in the mail, you can have the funds deposited Direct deposit online is a convenient and secure way to streamline your payroll process. The federal Genetics Home Reference discusses one such serious conditi In the world of business, efficiency and organization are paramount. lnwxw ihzqcd lkwvxi mayicws cpzk jrtpkzbh ehwfi lfiq zxqi qcctqm xzi zndhqvf jrhjv zqboiq cxpv