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Take a look at our helpful checking options below. Need help balancing your checkbook? Use our checkbook balancing tool.
Learn about our limited-time checking promotion.
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
- Higher APY on a Premium Money Market account
- 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
- Higher APY on a Premium Money Market account
- 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. 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!
Direct Deposit / Payroll Deduction
Have your payroll check deposited automatically into your checking or savings account with Direct Deposit. You'll enjoy immediate access to your funds on payday with this free service. Complete this form and give it to your employer's payroll department for processing.
Payroll Deduction allows you to automatically deposit a portion of your paycheck into your IRA, loan payment or other related account. Call PCU for more information.
* 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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