Checking Accounts
Seamless Banking Starts Here: Explore Our Checking Accounts
At PCT Federal Credit Union, we offer a fully insured checking account that is both convenient and cost-effective. Say goodbye to unnecessary fees and hello to hassle-free banking with a Checking Account from PCT Federal Credit Union.
Checking Account Features
No minimum balance required
No monthly service charge
Receive your first box of basic checks for free
Get a Visa Debit Card for convenient and secure purchases
Access Online Banking for easy account management
Make unlimited check copies through Online Banking
Use Bill Pay to pay your bills online
Stay organized with e-Statements
Deposit checks anytime, anywhere with Mobile Check Deposit
| Service | Fee |
|---|---|
| No Minimum Balance Required | $0.00 |
| Monthly Service Charge | $0.00 |
| 1st Box of Basic Checks | $0.00 |
| Visa Debit Card | $0.00 |
| Online Banking | $0.00 |
| Unlimited Check Copies (Via Online Banking) | $0.00 |
| Bill Pay | $0.00 |
| Mobile Banking | $0.00 |
| e-Statements | $0.00 |
| Mobile Check Deposit | $0.00 |
Visa Debit Cards
Looking for an easier and more convenient way to access your Checking Account? The PCT Federal Credit Union Visa® Debit Card is the answer! Here are some of the benefits of using it:
Are you in need of cash?
No problem! With the PCT Federal Credit Union Visa® Debit Card, you can easily withdraw funds from your Checking Account at any ATM.
Access your account surcharge-free at our branch ATM location or any MoneyPass ATM Location
Visit MoneyPass.com for a list of MoneyPass ATMs near you
With our Visa® Debit Card in hand, you'll have the freedom to withdraw cash whenever and wherever you need it
uChoose Rewards program
At PCT Federal Credit Union, we're all about rewarding our members for smart financial choices. That's why we offer the uChoose Rewards program as a way to earn points for everyday purchases. Here's what you need to know:
With our Visa® Debit Card, you can earn 1 point for every $2.00 spent on signature-based transactions
But that's not all. You can link multiple PCT Federal Credit Union Debit and Credit Cards to your uChoose Rewards profile to earn points even faster
Don't miss out on the chance to earn valuable rewards!
Overdraft Options
At PCT Federal Credit Union, we understand that unexpected events can arise, and we offer various overdraft protection programs to ensure you're covered.
Overdraft Transfers
Automatic transfer of available funds from your Savings Account or alternate accounts within the credit union to cover overdrawn Checking Accounts
Minimal fee incurred for usage
Transfers made through Online Banking are free
Courtesy Pay
At PCT Federal Credit Union, we understand that unexpected expenses can happen, which is why we offer Courtesy Pay as a service to our members. This service is available for personal Checking Accounts and is designed to provide you with peace of mind in case of an overdraft.
Here’s how it works:
Once approved for Courtesy Pay, we will honor overdrafts of various transactions such as checks, ACH withdrawals, teller withdrawals, Bill Pay transactions, and service fees
It's important to note that ATM withdrawals and debit card transactions will only be covered if you opt-in
If an overdraft occurs, you will be covered up to a maximum limit of $500.00, including any applicable overdraft fees
Rest assured that we are here to support you during unexpected financial situations, and our Courtesy Pay service is just one way we do that.
Overdraft Line of Credit
At PCT Federal Credit Union, we understand that overdrafts can be a source of stress for our members. That's why we offer a line of credit that can be accessed when you need it the most.
Here's how it works:
If a transaction exceeds the available balance in your Checking Account, our line of credit will be automatically accessed.
Money will then be transferred into your Checking Account to cover the overdraft and any related fees.
Check Reorder
Ordering new checks has never been easier with our online check reordering service at PCT Federal Credit Union.
Here’s what you will need to have ready:
Routing number
Account number
Next starting check number
If you're ready to join the PCT Federal Credit Union community and open a new Checking Account, get started today!
Already a member? Log into Online Banking or contact us for assistance!