Better Checking

Dividends aren't just for savings accounts anymore.

This dividend-bearing checking account gives PFCU members another chance to earn money with us.

Open to

Open to members 18 and older (or 13-17 with a joint owner at a branch)

Key Features

  • Dividends are compounded daily and calculated on the daily balance when the balance reaches or exceeds $1,000.
  • Dividends are paid on the last day of each month.
  • Convenient Locations & Surcharge-Free ATM Network.
  • Deposits may be made through Direct Deposit, ATM, our Philadelphia FCU Mobile App, or at any PFCU branch.
  • Members receive FREE monthly statements to ease account balancing. FREE Electronic Statements are also available on Teller Net.
  • FREE copies of canceled checks are available on Teller Net.
  • The first box of checks is included.

Min. Opening Deposit & Maintenance Fee

  • $0 Minimum Opening Deposit Required
  • $5 monthly fee that will be WAIVED if the minimum daily balance of the account is $1,000 or greater for each day of the month.

Costs and Charges

Please refer to our fee schedule for full disclosure of costs and charges.


Dividend rate increases if the minimum daily balance reaches $5,000 and again at $10,000.

Dividend Rates

Please refer to our rates page for full disclosure of account terms and conditions.

Open a Better Checking Account
Apply Today

Better Checking accounts are available to all PFCU members 13 years or older who meet our account verification requirements.

Refer your Friends
National Association of Federal Credit Unions 
PFCU is a proud member of the National Association of Federal Credit Unions
National Credit Union Administration 
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.
Equal Housing Lender 
We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We provide links to external websites for your convenience. Philadelphia Federal Credit Union does not endorse and is not responsible for their content, links, privacy or securities policies.

Please note that the amount of money contained in your investment accounts are considered non-deposit products and therefore, are not NCUA insured, not credit union guaranteed, may lose value, are not guaranteed by any government agency. Securities, Financial Planning and Insurance products are offered through LPL Financial, and its affiliates, Member FINRA, SIPC. LPL Financial and Philadelphia Federal Credit Union are independent entities.