PCFCU Checking Account Comparison
We have three checking account options. Our most popular is eChecking; a more electronic version of checking. Checking with Interest is designed for the member that wishes to keep higher checking account balances and earn dividends. Our Regular Checking is somewhere in between the other two. For more information on each, see details below.
| Regular Checking (S5) | Checking with Interest (S50) | eChecking/Student Checking (S25) |
|---|---|---|
| Maintain $300 balance to avoid $6 monthly fee | Minimum $5000 balance to earn interest* Balances below $1000 will incur an $11 monthly service fee** | No minimum balance Per-check charge (50 cents per check) Qualifications: --actively receive eStatements --one or more monthly debit card transactions^ |
| - Debit Card - Unlimited ATM access - Co-op ATMs surcharge-fee free - Online Banking - Bill Pay - Privilege Pay | - Interest earning account - Debit Card - Unlimited ATM access - Co-op ATMs surcharge-fee free - Printed checks (free) - Online Banking - Bill Pay - Privilege Pay | - No minimum balance - Debit Card - Unlimited ATM access - Co-op ATMs surcharge-fee free - Online Banking - Bill Pay - Privilege Pay |
| View Regular Checking | View Interest Checking | View eChecking/Student Checking |
*Balances $5,000 – $9,999.99 = 0.10% APY
*Balances $10,000 – $24,999.99 = 0.15% APY
*Balances >$25,000 = 0.20% APY
**Balances below $5,000 earn no interest; below $1,000 incur an $11 fee.
^If either or both account qualifiers are not met, there is a monthly fee of $9.
APY = Annual Percentage Yield. Rates are subject change.
Ordering Checks
Many members never, or rarely use checks. Other members enjoy writing checks in the old tried and true fashion. For those members, we make it easy for you to reorder checks here. To do so, simply follow the instructions at the end of the link or order checks for the first time here: Order your NEW checks online from our preferred provider.
NCUA Insured
Your Savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
NCUA-How Your Acct Is Insured-2-14