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
| Compare | Free Plus Interest Checking | Refresh CheckinG2 |
|---|---|---|
| Monthly maintenance fee | $0 | $8.95 |
| Minimum opening balance | $0 | $25 |
| Minimum balance to earn interest1 | $500 | n/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 | ||
| eAlerts |
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.
*APY (ANNUAL PERCENTAGE YIELD). Dividends will be compounded and credited monthly. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period. 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 13 years to open a checking account – see iProsper Teen Account.
1A $500.00 average daily balance is required to earn monthly dividends. View current Savings Rates.
2This 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 Union to switch the account to the Free Plus Interest Checking Account. We’re cheering for you!
3Our 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. Please check with your carrier for more information.
4You may receive a direct deposit up to two (2) days early with Early Direct Deposit or depending on when your employer/payer provides us the information, and if 1) you have a checking or savings account with us, and 2) a recurring qualifying direct deposit. It is at our discretion to identify which recurring direct deposits are eligible for Early Direct Deposit. We cannot guarantee that you will receive the Early Direct Deposit service due to unanticipated circumstances. Early Direct Deposit is automatic and it’s a free service.