Our checking accounts have what you need to manage your money. You'll appreciate how easy it is to choose between a no-minimum balance account or one that pays you interest. Our checking accounts include 24/7 access through the following options: Mobile App, Online Banking, Audio teller (LUCY) and PFCU Debit or ATM cards.
Checking Account Bonus
Open a PFCU Consumer or Business Checking and receive a $300 bonus*!
Become a Member Current Member? Apply for a Checking Checking Rates
| Features |
Checking |
Checking Plus |
| Minimum Balance Required to Avoid Monthly Maintenance Fee |
$0 |
$1,000*
|
| Monthly Service Charge |
No |
No |
| Unlimited Deposits |
Yes |
Yes |
| Debit Card |
Yes |
Yes |
| Free Online & Mobile Banking |
Yes |
Yes |
| E*Statements |
Yes |
Yes |
| Duplicate Checks Available |
Yes |
Yes |
| Variety of Check Options |
Yes |
Yes |
| Discounted Checks for Members Ages 55+ (some limitations may apply) |
Yes |
Yes |
| Bill Pay Access |
Yes |
Yes |
| Access to Surcharge-free ATMs |
Yes |
Yes |
| Courtesy Pay Available (some limitations may apply) |
Yes |
Yes |
| Pays Monthly Dividend |
No |
Yes |
Pocket Change
We'll round up your everyday debit card transactions to the next dollar amount and deposit the difference into your designated PFCU Savings Account. Learn More
Courtesy Pay
Check out our Courtesy Pay option and avoid the hassles of overdrafts and bounced checks.
Order Checks Online
Free yourself from the burden of costly checking! Become a member today. If you have any questions, use our live chat support or contact us at 844-517-3611.
*Offer is available to individuals who never had a PFCU checking account. The new checking account must be opened during the promotional period (01/06/2025-03/31/2025) and remain open in order to receive the bonus. Account Opening Criteria: Primary account holder must be 18 years or older and meet PFCU’s membership eligibility and credit qualification requirements, including opening a Membership Savings Account with a minimum balance of $5 and a Checking Account. Cash Bonus Criteria: To receive the cash bonus, the new account must meet the following criteria within the first 30 days: 1. Establish access and use of PFCU Online Banking with E-Statements and 2. Establish Direct Deposit of at least $100 per month. 3. Must be open and cannot be delinquent (more than 30 days) at the time of bonus payment. The bonus will be deposited into the qualifying account within 10 business days in the month following the end of the first 30-day period if qualifications are met. Bonus amounts may be subject to applicable taxes and are the responsibility of the member. Bonus cannot be combined with any other account opening offer.