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Refresh Checking

Refresh Checking

Second chance checking to help you build a new banking history
Open An Account

I’m not a member yet

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

Login to Online Banking

Refresh Checking Account

Need a financial reboot?

  • 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 with mobile deposit**
  • Worldwide access to 120,000+ surcharge-free ATMs
  • Free Visa Debit Card 
  • Free Financial Wellness counseling and education
  • Overdraft protection option
  • Free eStatement
  • Free Bill Pay
  • Early Direct Deposit – Get your funds up to two days early4

Who’s it for

If you are unable to open a checking account due to past credit or banking history, our Refresh Checking account can help you get back moving in the right direction. Plus, if there are no NSFs or overdrafts for 12 consecutive months, just reach out to us and we would be delighted to switch your account to our 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 checking account and signing up for eStatements and direct deposits is a great way to boost your credit and banking history.

How to apply

Simply log in to Online Banking and select Account Information from the tabbed options. Click on “Account Change Form”, complete the form and submit.

Visa Debit Card included

Your free Visa Debit Card comes with valuable benefits.

*The monthly fee is $8.95 and requires direct deposit and estatements.

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
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 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.

I’m so grateful to have a financial institution that’s in line with my personal values. The service and support I receive always make me feel cared for.

Marcell W. | Member SINCE 2019
Marcell W.

Need more information?

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

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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.

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