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Checking Accounts

FREE Checking
*

To experience completely Free Checking, sign up for your Preferred Credit Union FREE Checking account today!  

  • Free VISA Debit Card
  • Free Online and Mobile Banking 
  • Free Bill Pay
  • Access to 30,000+ surcharge-free ATM's nationwide
  • Access to 5,000+ Shared Branch locations nationwide
  • No minimum balances
  • No monthly service charges
*Some restrictions apply



Fresh Start Checking
If you have had difficulty opening a checking account at other banks, our Fresh Start Checking might be the answer for you. 

Account Features:
  • FREE Debit Card
  • FREE Mobile and Online Banking
  • FREE e-Statements
  • Access to 30,000+ surcharge-free ATM's nationwide
  • Access to our Shared Branching networks
  • Unlimited check writing
  • Same day cash availability on direct deposits, cash and account transfers, and some checks (see a team member for details)
  • $50 required to open the account; $25 share pledge on hold in your savings account and you must fund the checking account with the remaining $25. 

Account Restrictions:

  • Deposits not accepted through the ATM
  • Courtesy Pay not available with this program
  • Minimum 2 business day hold on non-approved checks
  • $10/month fee
  • Fresh Start Checking accounts do not qualify for new account promotions


After 12 months of active use, you may contact the credit union to see if the account can be upgraded to a FREE checking.  To switch to a FREE checking, we must see positive activity in the account, no more than six non-sufficient funds transactions in the last 12 months, and none in the last 90 days.



OUR "CHANGE IT UP" PROGRAM HELPS YOU SAVE MONEY!  
Every time you make a purchase with your PCU debit card, you will save a bit of money! At the end of each business day, debit transactions posted to our checking account will automatically be "changed up" to the nearest whole dollar amount and those extra funds will be transferred into the account of your choice.  The funds are yours to keep, spend or save.  Give us a call today to activate CHANGE IT UP on your account!
*Change it up program not available to all PCU members.  Please see an associate for details.
 



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