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Free Checking Plus Interest

Free Plus Interest Checking

A free checking account with no minimum balance requirements or maintenance fees
Open An Account

Effective Date as of 06/01/2024

Free Plus Interest Checking


% APY*

as high as

I’m not a member yet

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

Login to Online Banking

Free Plus Interest Checking

Helping you spend, save and earn – all in one account.

  • No minimum balance required ($500 minimum required to earn interest)
  • No monthly maintenance fees
  • Free Online Banking and mobile banking with mobile deposit3
  • Free Visa Debit Card
  • Overdraft protection option
  • Free eStatement
  • Free Bill Pay 
  • Early Direct Deposit – Get your funds up to two days early4

Visa Debit Card included

Your free Visa Debit Card comes with valuable benefits.

  • Access to 120,000+ surcharge-free ATMs worldwide
  • Mobile Wallet access
  • Zero Liability Fraud Protection

Compare PFCU Checking Accounts

CompareFree Plus Interest CheckingRefresh CheckinG2
Monthly maintenance fee$0$8.95
Minimum opening balance$0$25
Minimum balance to earn interest1$500n/a
Minimum savings amount$5$5
Free Online Banking and mobile banking
120,000+ surcharge-free ATMs worldwide
Free Visa Debit Card
Free Financial Wellness counseling and education
Overdraft protection

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 3 ways you can find your account number:

1. Online Banking or Mobile Banking

  • Log Into Online Banking or the Mobile Banking App.
  • Select “More Services” from the main menu dashboard.
  • Then select “Routing & Account Numbers.” 
    • To reveal your full account number, you may need to click the toggle above the account name.

2. Bank statements (paper or electronic)

Your account number is listed as “Member Number” on the upper right of your monthly paper or eStatements. This information is only available on statements from October 2023 or newer.

3. Checkbook

The middle section of the bottom row of numbers contains your account number. View the check image below for an example.

The process was easy and smooth. I did everything from my phone.

JACOB H. | Member SINCE 2024

Need more information?

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

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