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Checking Accounts

Free Visa® Debit Card

Free Online and Mobile Banking

Access to 30,000 surcharge-free ATM's nationwide

Free e-Statements

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Free Checking Account

Experience truly free checking without the hassle of a minimum balance.

Features:

  • No Minimum Balances
  • No Monthly Fees
  • Free Visa® Debit Card
  • Courtesy Pay
  • Direct Deposit
  • Change It Up Program Available (see below)
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Fresh Start Checking

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

Features:

  • Free Visa® Debit Card
  • Unlimited Check Writing
  • Same day cash availability on direct deposits, cash and account transfers, and some checks (see a team member for details)

Restrictions Apply

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

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.

Free Checking Account

Experience truly free checking without the hassle of a minimum balance.

Features:

  • No Minimum Balances
  • No Monthly Fees
  • Free Visa® Debit Card
  • Courtesy Pay
  • Direct Deposit
  • Change It Up Program Available (see below)

Fresh Start Checking

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

Features:

  • Free Visa® Debit Card
  • Unlimited Check Writing
  • Same day cash availability on direct deposits, cash and account transfers, and some checks (see a team member for details)

Restrictions Apply

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

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.

Change It Up Program

Debit transactions are posted to your checking account at the end of each day and will automatically be “Changed Up” to the nearest dollar amount and those extra funds will be transferred into the account of your choice

  • Save money every time you make a purchase with your PCU debit card
  • To activate give us a call at 800.328.4131 or stop by any PCU branch location

Join Preferred Credit Union Today!

 

Preferred Credit Union is a full service financial institution helping to serve the needs of those who work and live in our community. As your Preferred Financial Partner, our goal is to provide great member service while helping you save time and money on the products and services you need.

 

Check Reordering

You can order online or stop by any local PCU branch and speak with a PCU staff member to order more checks. Please have your reorder coupon handy when ordering checks. 

Effective May 25, 2018 we switched checking printing vendors.  If your last check order was prior to May 25, 2018, please call 800.328.4131, use our online chat or submit your request through It’sMe24/7 message center to place your first order.

ID Shield

ID Shield is one of the most comprehensive products on the market for protecting and restoring your identity.  Have you ever worried about being a victim of identity theft, using your personal information online, your child’s identity or have you lost your wallet?

ID Shield Membership Includes:

  • Privacy and Security Monitoring
  • Credit Monitoring and Credit Inquiry Alerts
  • Social Media Monitoring
  • Monthly Score Tracker
  • Consultation
  • Complete Identity Recovery Services by Kroll Licensed Private Investigators
  • $5 Million Service Guarantee

Identity theft issues are more common than you think with 30 new identity theft victims per minute.  With ID Shield you can ease your mind as you have access to U.S. based Member Services agents 24 hours a day, 7 days a week and 365 days a year!  Help you can count on when you need it most. Learn More or Sign Up Today!