Checking

At PFCU, you'll find the perfect account that checks all your boxes.

Choose from four different accounts loaded with features

Manage your account through Online Banking and Mobile Banking

Easily set up direct deposit in your PFCU checking account

Get a free debit card for everyday use

Set up overdraft protection to avoid declined payments and costly fees

Let’s narrow it down.

Select the options that align with your needs and we'll point you in the right direction.

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PFCU Checking

Simple, convenient & free checking
  • Actually free
  • PFCU debit card
  • No opening deposit requirement
Account Details : Simple, convenient & free checking open an account

Better Checking

Interest checking that’s better than ordinary
  • Tiered interest rate structure
  • $5 monthly fee waived if daily balance is $1,000 or greater
  • Free first order of checks
Account Details : Interest checking that’s better than ordinary open an account

Senior Checking

Giving senior members (50+) more for their money
  • Tiered interest rate structure
  • Free first order of checks
  • PFCU debit card
Account Details : Giving senior members (50+) more for their money open an account

Cash Back Checking

Checking that pays you for doing banking basics
  • 5% cash back on debit card purchases (up to $10 cash back/month)
  • Refunds on ATM fees nationwide (up to $10/month)
  • Free and pays you for banking basics you probably already do
Account Details : Checking that pays you for doing banking basics open an account
Checking Account Comparison
Feature PFCU Checking Better Checking Senior Checking Cash Back Checking

Best For

Everyday checking with no monthly feeMembers who maintain a higher balance and want to earn dividendsMembers age 50+ who want dividendsMembers who use their debit card regularly and want cash back

Minimum opening deposit

$0$0$0$0

Monthly fee

$0$5; waived with a $1,000 minimum daily balance$0$0

Minimum balance requirement

None$1,000 minimum daily balance to avoid monthly fee$500 minimum daily balance to earn dividendsNone

Earns dividends

NoYes; tiered rates begin at eligible balancesYes; tiered rates begin at eligible balancesNo

Online and mobile banking

IncludedIncludedIncludedIncluded

First box of checks included?

NoYesYesNo

ATM benefit

Nationwide surcharge-free ATM networkNationwide surcharge-free ATM networkNationwide surcharge-free ATM networkUp to $10 in nationwide ATM-fee refunds per month

Special benefit

No monthly or per-check feesHigher dividend tiers at larger balancesAvailable to members age 50+; includes a no-charge financial consultation5% cash back on debit-card purchases, up to $10 per month

Compare your overdraft protection options.

  • Overdraft Protection

    Just select up to two separate savings accounts and assign priority order in Online Banking to enjoy peace of mind. If a Line of Credit (LOC) is available on the account, you may select up to three sources, including the LOC.

    Cost: Free

  • Line of Credit *

    Provides financial backup so you don’t overdraw your checking account. Plus, you’ll have access to funds anytime you need quick cash from an ATM.

    Cost: Subject to interest

  • Overdraft Privilege

    Pays checks and ACH withdrawals when you inadvertently overdraw your checking account. It saves you the inconvenience of bounced checks as well as returned check fees charged by many merchants.

    Cost: $28 per item

* Subject to credit approval

TOOLS TO GET YOU AHEAD

Smart Strategies: Budgeting, Saving, and Paying Debt Made Simple

Are you feeling overwhelmed by the daunting task of managing your money? Whether you're trying to budget, save, or pay off debt, it can often feel like a juggling act. But with the right strategies, you can easily tackle all these financial goals.

Read More about Smart Strategies: Budgeting, Saving, and Paying Debt Made Simple

Philadelphia Federal Credit Union is a full-service financial institution with locations in Philadelphia, Montgomery and Columbia County, PA.