Checking Accounts

Type Free Checking Relationship Checking Cashback Checking
Ideal For Members who want a free no frills account Members who keep a high balance and want to be rewarded for those balances with cost-savings advantages Members who use their debit card frequently
Minimum Opening Deposit $50 $50 $50
Monthly Service Fee9 $0

Pay no fee with $750 minimum monthly Direct Deposit or $10,000 in combined balances in the following PCU accounts:

  • Savings
  • Checking
  • Loans
  • Visa and/or Mortgage
Otherwise $10 per month
$0
Interest N/A

Interest Tiers 1
$2,000 - $9,999.99
$10,000 - $19,999.99
$20,000 - $49,999.99
$50,000 +

View Current Rates
N/A
Cashback on Debit Card Purchases N/A N/A Cash back to qualified members every time you swipe and sign.7
It’s easy to qualify – each month you need a minimum $200 direct deposit, one online bill payment, 5 debit card signature purchases and eStatements.
Assisted Transfer Fee - Funds transferred within the same member number into your checking account by a PCU Representative on your behalf $5 Combine balances of $10,000+ - Free
Combined balances under $10,000 - $5
$5
Branch/Contact Center Transactions FREE FREE $26
ATM Access2 FREE PCU ATMs
$3 for non-PCU ATM withdrawals and balance inquiries
Find ATMs

FREE PCU ATMs
Balances over $10,000 - Unlimited Free Usage
Balances under $10,000 - 10 FREE non-PCU ATM transactions per month, $3 for each additional withdrawal or balance inquiry

Find ATMS

FREE PCU ATMs
10 FREE non-PCU ATM transactions per month, $3 for each additional withdrawal or balance inquiry

Find ATMs

Monthly Statements eStatements4 & Paper statements -FREE eStatements4 & Paper statements -FREE eStatements4 - FREE
Paper statements -$5 per month
Bill Pay FREE FREE FREE
Mobile Banking FREE FREE FREE
Check Printing Charges apply3 2 FREE boxes of CU designed checks
per calendar year
Charges Apply3
Visa Cash & Check Card (Debit card)5 FREE FREE FREE
Check Copy Images $2 (Free through PCU Online Banking) FREE $2 (Free through PCU Online Banking)
Overdraft Transfer Fee - Automatic transfer made from Share Savings when there are non-sufficient funds in your PCU Checking $5 $5 $5
Overdraft Line of Credit Annual Fee $20 Free $20
Other Benefits
  • Direct Deposit with Early Payday8
  • 24/7 account access via PCU Online, Mobile, Text & Phone Banking
  • Free Travelers Checks, Cashiers Checks and Money Order
  • Direct Deposit with Early Payday8
  • 24/7 account access via PCU Online, Mobile, Text & Phone Banking
  • Direct Deposit with Early Payday8
  • 24/7 account access via PCU Online, Mobile, Text & Phone Banking
1 Annual Percentage Yields (APYs) are subject to change.  2 Does not include other ATM Owner fees i.e. surcharge fees.  3Charge waived for members 55 and older, limit one box per order, two boxes per calendar year.  4May receive paper statement for first month  5Inactive ATM/Cash & Check Card fee is $3.00 if card is not used at least once per month6 No fee for deposits 7 Monthly Cashback bonus of .25% is based on the total amount of net signature-based PCU Cash & Check Card purchases made during any statement cycle.  Purchases authorized with a PIN or ATM transactions do not apply. 8Early payday is dependent upon when the payroll company and/or government sends the funds and for that reason is not guaranteed. 9 Inactive Account Fee - $5 per month if member has checking only with $1,000 or less, there is no activity for 1 year, and member is over age 24.