Free Checking Plus Interest


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See Below to Open An Account

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I’m not a member yet

It’s easy to open a savings account once you become a PFCU member.

Login to Online Banking


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Free Plus Interest Checking

At PFCU, when we say “free checking,” we mean free checking. 

  • No minimum balance 
  • No monthly maintenance fees
  • Free Online Banking and mobile banking
  • Worldwide access to 120,000+ surcharge-free ATMs
  • Free Visa Debit Card 

Visa Debit Card

Your free PFCU Debit Visa Card comes with valuable benefits.

  • Access to 120,000+ surcharge-Free ATMs worldwide
  • $500,00 travel & accident insurance
  • Free balance transfers

PFCU Refresh Checking Account

Features & Benefits

  • Reset your finances with a low monthly fee of $8.95.
  • Minimum opening balance of $25 and maintain $5 in savings
  • Free Online Banking and mobile banking
  • Worldwide access to 120,000+ surcharge-free ATMs
  • Free Visa Debit Card 
  • Free Financial Wellness counseling and education

Who’s It For

If you are unable to open a standard account due to past credit or banking history, the  PFCU Refresh Checking account can help you get back moving in the right direction. If you’re successful with this account over a 12-month period, we’d be delighted to switch your account to the Free Plus Interest Checking Account.

How Does Refresh Checking Work

Refresh Checking works like any other checking account – you can pay bills, get cash, and make deposits anywhere, anytime. Opening this second-chance account and signing up for free eStatements and free direct deposits is a great way to boost your credit and banking history.

How to apply

You can apply for the PFCU Refresh Checking in-person at any of our local branches. Or simply log in to Online Banking and select Account Information from tabbed options. Click on “Open a New Checking Account”. Select “Refresh Checking”.

Compare PFCU Checking Accounts

CompareFree Plus InterestRefresh
Monthly maintenance fee$0$8.95
Minimum opening balance$0$25
Minimum savings amount$0$5
Free Online Banking and mobile banking
120,000+ surcharge-free ATMs worldwide
Free Visa Debit Card
Free Financial Wellness counseling and education

Frequently Asked Questions

Katie Johnson was amazing. She helped me through the whole process every step of the way.

Katherine E. | Member
Katherine E.

Need more information?

Connect with a PFCU Member Consultant, by scheduling an appointment, video chat, email, or phone.

Financial Health Check

Looking for freedom from debt and money worries? You’re in the right neighborhood. We’ll help you create a realistic budget, build achievable goals, and reduce high-interest debt.

Learn More

Providence FCU doesn’t warrant, guarantee or insure any products or services offered by participating merchants. The Credit Union is federally insured by the National Credit Union Administration. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5.00. Must be at least 18 years to open a checking account.

*A $500.00 average daily balance is required to earn monthly dividends. Click here for current Savings Rates.

**This is a second-chance checking account. The monthly fee is $8.95 and requires direct deposit and eStatements. If there are no NSFs or Overdraft for 12 consecutive months since account opening, please contact the Credit Unon to switch the account to the Free Plus Interest Checking Account. Congrats!

***Our Mobile Banking app is free, but standard rates and fees may apply from your wireless carrier. App store is a service mark of Apple Inc. Android is a trademark of Google Inc. Standard wireless carrier data rates and fees may apply; check with your carrier for more information.