ABA Routing # 236084298

Checking Accounts

Looking for a simple place to keep your cash? Or maybe you're a little more interested in a little more interest? We offer accounts designed to match your lifestyle.

Which checking account is right for you?

When deciding where to put your money, one of the most important questions is which account is right for you?

Ask some important questions to help determine what is crucial for you when picking your checking account. Considering that a checking account is an essential component of your credit report and score, this is an important decision, and PFCU is here to help. Many banks and credit unions will have multiple products and services that meet your needs. Navigating the options to find the best choice that fits your personal needs can be daunting.

We have provided a quick list of our checking account products and services below. You can also click the details links for each section to get more in-depth information about each product we offer at Philadelphia Federal Credit Union. If you need help, drop by your local PFCU branch or call toll free and speak to one of your local PFCU representatives today. We are always here to help you, our Philadelphia community members.

PFCU Checking

Our most basic checking account. It's simple, straightforward, and the price can't be improved upon: it's free. Open your checking account with no opening deposit today.

Features of PFCU Checking ▸
Details for PFCU Checking ▸
Open a PFCU Checking Account

Fees

None

Minimum Balance

None

Dividend

Below $1,000:
None

$1,000-$4,999.99: None

$5000-$9,999.99 None

$10,000 or Higher: None

Features

Here are some other features available to you.

You can make withdrawals using ATMs or any PFCU branch.
Deposits may be made through Direct Deposit, ATM, our Philadelphia FCU Mobile App, or at any PFCU branch.
Free monthly statements available by mail and electronically through Teller Net.
Open to members 18 and
older (or 13-17 with a joint owner at a branch)
Free bill payer
Are you looking for an easy to use mobile banking app? Our PFCU Checking account provides easy usage of our Teller Net system, as well as no monthly fees. Open an online checking account and take advantage of electronic bill pay from the comfort of your home using our mobile app.

Open a PFCU Checking Account

Kasasa Cash Back Checking

Checking should be fun, free, and rewarding. If you agree, look no further than Kasasa Cash Back® - free checking that pays you for doing banking basics that you probably already do.

Features of Kasasa Cash Back Checking ▸
Details of Kasasa Cash Back Checking ▸
Open a Kasasa Cash Back Checking Account

Fees

None

Minimum Balance

None

Reward

5% cash back on debit card purchases* (up to $10 cash back per month*)

Refunds on ATM fees, nationwide (up to $10 per month)*

Features

Do you want cashback for using your debit card? Consider the Kasasa Cash Back Checking Account with cashback on your debit card purchases.
Free checking with no monthly service fees, ever
5% cash back on debit card purchases (up to $10 per month)*
Refunds on ATM fees, nationwide (up to $10 per month)*
No minimum balance to earn rewards
Free electronic services: online banking, eStatements, and more
Easy qualifications to earn rewards (see "Details" section above)

Open a Kasasa Cash Back Checking Account

PFCU Better Checking

An interest-yielding option that combines the convenience of checking with dividend payments. Maintain a minimum balance and there's no monthly fee.

Features of Better Checking ▸
Details for Better Checking ▸
Open a Better Checking Account

Fees

$5 monthly fee, waived if balance is $1,000 or greater

Minimum Balance

None

Dividend

Below $1,000:
0% APY

$1,000-$4,999.99:
0.10% APY

$5000-$9,999.99
0.20% APY

$10,000 or Higher:
0.20% APY

Features

Here are some other features available to you.

Is a stable interest rate or earning dividends your financial goal? Consider our PFCU Better Checking account where your money works for you. Earn interest by merely keeping an account balance
You can make withdrawals using ATMs or any PFCU branch.
Deposits may be made through Direct Deposit, ATM, our Philadelphia FCU Mobile App, or at any PFCU branch.
Free monthly statements available by mail and electronically through Teller Net.
Open to members 18 and
older (or 13-17 with a joint owner at a branch)
Free bill payer
The first box of checks is included

Open a Better Checking Account

PFCU Senior Checking

An interest-paying account open to community members over 50. Earn dividends when the balance reaches or exceeds $500.

Features of Senior Checking ▸
Details for Senior Checking ▸
Open a Senior Checking Account

Fees

$5 monthly fee, waived if balance is $500 or greater

Minimum Balance

None

Dividend

Below $500:
0% APY

$500-$4,999.99:
0.10% APY

$5000-$9,999.99
0.20% APY

$10,000 or Higher:
0.20% APY

Features

Here are some other features available to you.

Are you looking at retirement and seeking financial security? Consider our PFCU Senior Checking account with dividends rewards to help you reach your retirement goals.
A free retirement and long-range planning consultation with PFCU Services, LLC.
You can make withdrawals using ATMs or any PFCU branch.
Deposits may be made through Direct Deposit, ATM, our Philadelphia FCU Mobile App, or at any PFCU branch.
Free monthly statements available by mail and electronically through Teller Net.
Open to members 50+
Free bill payer
The first box of checks is included

Open a Senior Checking Account

See our Youth Account ▸

Personal Checking Features & Services

Cards

Choose from a wide range of cards, including
Check Cards • ATM Cards • Gift Cards • Visa Purchase Alerts • Visa Click to Pay • Card Management

Visa Secure^®

You no longer have to enter 16-digit primary account numbers, look up passwords, or complete long forms to make a purchase.
Learn more about VISA Secure ▸