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Take a look at our helpful checking options below. For a complete list of benefits and features, view the attached chart. 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? Check out PCU's Simply Free Checking:
- No minimum balance
- No monthly service fees
- Unlimited check-writing
- Free check clearing
- Free online banking
- Free Cash & Check Card
e-Member Checking
Create your own banking hours with this convenient self-serve account. Routine balance inquires and transfers can be done 24/7. Simply access your account online via PC ACCE$$ or by phone via PAL (Personal Access Line). You'll also enjoy:
- Free Bill Pay^
- Free Cash & Check Card^^
- Free unlimited ATM transactions**
- No minimum balance or monthly service fee
- No check clearing fees
- Free e-mail 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 Bill Pay^
- Free Cash & Check Card^^
- Free online banking
- Free check clearing
- Unlimited check writing
- Free transactions at PCU-owned ATMs
- 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 checking clearing
- Unlimited check writing
- Free check printing
- Free online banking
- Free Bill Pay
- Free unlimited ATM transactions**
- Free Cash & Check Card
- 0.50% more on a Premium Money Market account
- 2% discount on Visa Gold
- 4% discount on Overdraft Line of Credit
- Free traveler's checks
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 allows you to conduct a wide variety of transactions at absolutely no cost.
- Free check printing
- Free check clearing
- Unlimited check writing
- Free online banking
- Free Bill Pay
- Free unlimited ATM transactions**
- Free Cash & Check Card
- 0.50% more on a Premium Money Market account
- 2% discount on Visa Gold
- 4% discount on an Overdraft Line of Credit
- Free traveler's checks
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. You can also change the typeface, add a monogram -- even choose a checkbook cover. Please note: all name and address changes must be done through the credit union.
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!
Direct Deposit / Payroll Deduction
No matter where you are on payday, your paycheck will be in your account even before the credit union is open. With Direct Deposit, your payroll check, government or other income check can be deposited into your checking or savings account, automatically, the same day you are normally paid. This allows you to have immediate access to your funds at any Postal CU, Cirrus, Plus or Visa Automated Teller Machine (ATM). Enjoy never having to wait in line again to deposit your paycheck. Download your Direct Deposit form today!
Payroll Deduction allows you to automatically deposit a portion of your paycheck into your IRA, loan payment or other related account. Both services are free!
* 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.
** 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.
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