PFCU’s Share Draft Checking Account pays dividends and offers unlimited checking. It has a $5 monthly service charge that can be waived under certain qualifying conditions*. Each draft makes a carbonless copy as you write, making unrecorded checks obsolete. You may arrange for Overdraft Protection along with your Checking Account. Overdraft Protection is a line-of-credit loan that is activated if you overdraw your account. Interest accrues only on the amount you overdraw and only until you repay the overdraft amount. Please ask for Overdraft Protection when you open your PFCU Checking Account. You can also add it later. You may apply for a PFCU Check (debit) Card with your Checking Account.
Use our convenient online check reorder link.
*Monthly service charge fees are waived if one of these qualifying service options is maintained at PFCU:
• Maintain a current active loan/line of credit (account must carry an outstanding balance)
• Maintain an active VISA account (account must have monthly activity or carry a balance)
• Maintain a minimum balance of $10,000 in a savings account
• Be enrolled in PFCU Home Banking & E-statements
• Maintain an active checking account with Direct Deposit ($1,000 minimum or net paycheck) and an active Debit Card.
VISA Check (debit) Card
The VISA check card is a convenient way to pay for purchases instead of using a check. Just swipe the Check Card through the point-of-sale terminal at the checkout counter, enter your PIN number and the purchase is electronically debited to your checking account. Simply record the debit transaction in your checkbook and be on your way! There is no credit union fee for use of your Check Card. Your card is also accepted by Star® Network merchants. Use your PFCU VISA Check (debit) Card at restaurants, markets, gas stations, mini-marts and anywhere else a point-of-sale terminal is available. You can also make cash withdrawals at ATMs displaying the VISA logo. It’s quick and easy and saves you money on check reorders.
You may also use your VISA debit card to make purchases wherever the VISA logo is displayed. Simply hand your card to the associate and specify a credit transaction. Sign a sales slip just like a credit card transaction; however, the money is deducted from your checking account. Be sure to keep your receipt as a record of the deduction from your account. Verify your debit card purchase transactions when you receive your monthly share draft statement. We charge $1.00 per month for a debit card, and $.65 for each cash withdrawal transaction. No charge for purchases. Call the Credit Union to apply.