Checking
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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
| Compare | Free Plus Interest | Refresh |
|---|---|---|
| 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
If you are already a member, you can open a new Checking and Savings account through Online Banking or the Mobile App, by going to More Services in the dashboard and then clicking Open a Share.
If you are not a member, head to our Become a Member page where you can learn more and fill out an application form.
There is a minimum deposit of $20 required to open a checking account.
There is no minimum deposit that you must make into your checking account each month.
For more information on fees associated with our savings and checking accounts see our Fee Schedule.
You can re-order your checks online through our check partner Harland Clarke!
You can also contact Member Care at 503-215-6090 or 888-849-5189 (toll-free) to make your first check order.
There are two easy ways to find your account number in Online Banking or the PFCU Mobile Banking App. You can also find this information on your monthly statements.
Online and Mobile Banking Option 1:
On the main menu dashboard along the left side of the screen, select “More Services” (on Mobile you will find this by expanding the dashboard at the bottom), then select “Routing & Account Numbers” to reveal the information for your various accounts. In order to view the entire account number you may need to tap on the eyeball icon to the right of the number.
Online and Mobile Banking Option 2:
From the home page, select the account that you wish to find the account number for. Then scroll to the bottom of the page, past all of the transactions, and you’ll find all the basic information for that account. In order to view the entire account number you may need to tap on the eyeball icon to the right of the number.
Statement Option:
You can find your Account number (listed as Member Number) on the upper right of your Monthly Paper Statements or eStatements. This feature is only available on Statements from October 2023 or newer.
Check Option:
You can find your Account number on the bottom of your paper checks — the middle section of the bottom row of numbers is your Account Number:
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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.
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.