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Take a look at our helpful checking options below. Need help balancing your checkbook? Use our checkbook balancing tool.

Simply Free Checking
Looking for a no-hassle checking account that won't cost a dime? With PCU's Simply Free Checking you'll enjoy:

• Free Online Banking, Bill Pay,^ and Online Deposits⁺ 
• No minimum balance or monthly service fees
• Free check clearing
• Free Cash & Check (debit) Card

e-Member Checking
This account is designed for people who conduct most of their business electronically. You'll enjoy unlimited ATM access without PCU assessed fees,** plus:

• Free Online Banking, Bill Pay^ and Online Deposits⁺
• No minimum balance or monthly service fee
• Free check clearing
• Free Cash & Check (debit) Card^^
• Free email inquiries

Choice Checking
Want to earn extra cash every month just for keeping $500 in your checking account? Choice Checking may be what you're looking for. This interest bearing account* also offers:

• Free Online Banking, Bill Pay^ and Online Deposits⁺
• Free check clearing
• Free Cash & Check (debit) Card^^
• Four free transactions at non-PCU ATMs**

Reward Checking
This interest-bearing account* requires a minimum balance of $2,500 and is loaded with great perks. Plus, if you're age 55 or better, your minimum balance fees will be waived.

• Free Online Banking, Bill Pay and Online Deposits⁺
• Free check clearing
• Free Cash & Check (debit) Card
• Unlimited FREE ATM transactions**
• Free check printing
• Earn a higher APY on PCU's Premium Money Market account

Prestige Checking
This exclusive account is designed for PCU members who wish to keep a $10,000 minimum balance or more in their account. Prestige Checking earns our most attractive APY* and offers other perks:

• Free Online Banking, Bill Pay and Online Deposits⁺
• Free check clearing
• Free Cash & Check (debit) Card 
• Unlimited FREE ATM transactions**
• Free check printing
• Earn a higher APY on PCU's Premium Money Market account

Direct Deposit with Early Payday
Ever wish you could get paid sooner? With Direct Deposit into your PCU Checking account, you can! Early Payday allows you to get your paycheck, Social Security or other income up to two days earlier!⁺⁺ Best of all, you can access your funds without visiting PCU by using your PCU Cash & Check (debit) Card.

Sign up for Direct Deposit by completing this form and giving it to your employer's payroll department for processing. Start enjoying Early Payday today!

Overdraft Protection
Never worry about overdrawing your checking account again! All PCU checking accounts offer Automatic Savings Transfers and Overdraft Lines of Credit to qualified members.

Reorder Checks Online
PCU makes it easy to reorder checks online through Liberty Check Printers. To reorder, you'll need your Unique 12-digit Reorder Identification Number, which can be found near the bottom of your reorder form (this is not your account number), and the start number listed on the form. You can reorder the same check design or choose a different style. Please note: all name and address changes must be done through PCU. Reorder checks now!

Switch your Checking to PCU!
Switching your checking account to PCU has never been easier! With our Online Switch Kit, you have all the tools you need to ensure a smooth transition. Just fill in the appropriate fields and the kit will generate the necessary forms, letters and checklists. Get started now!

Please note: You must have an account with PCU to switch your checking. Learn how to become a member today!

* Annual Percentage Yields are subject to change. Click the 'rates' tab at the top of this page for current rates.
^ Inactive Bill Pay fee is $5 if service is activated and not used at least once per month. 
+ If you are not qualified for Online Deposits, you will be notified when you attempt to enroll online. You need an active PCU checking account to sign up for this service.
** ATM usage refers to credit union-assessed fees and does not pertain to surcharges assessed by non-credit union owned ATMs.
^^ Cash & Check Card fees are $1.50 per month if card is not used at least once in that month. 
++ Early Payday with PCU Checking offers immediate credit of your deposit up to two days early based on when PCU receives your payroll. Early Payday is not guaranteed and is dependent upon when your payroll company sends the funds to PCU.