Woman and man looking at form and calculator happily.

Looking for a checking account with no minimum balances or maintenance fees? We’ve got you covered. With PCT Federal Credit Union, you can enjoy the convenience and cost saving benefits of a fully insured checking account.

No Minimum Balance Required $0
Monthly Service Charge $0
1st Box of Basic Checks $0
Visa® Debit Card $0
Online Banking $0
Unlimited Check Copies (via Online Banking) $0
Bill Pay $0
Mobile Banking $0
eStatements $0
Mobile Check Deposit $0
Ready to open your new account? Click here to become a member and open your account!

Already a member? Log into Online Banking or contact us!

Visa® Debit Cards

Accessing your account is easier than ever with a PCT Federal Credit Union Visa® Debit Card making it a convenient way to pay for purchases without cash, checks, or credit cards.

Need cash? Use your debit card at an ATM to withdraw funds. Access your account surcharge-free at our branch ATM location or at any MoneyPass ATM Location. For a list of MoneyPass ATMs, visit

Now get rewarded for your purchases. Earn 1 point for every $2 spent with your Visa® Debit Card on signature-based transactions. Did you know you could link multiple PCT Federal Credit Union Debit and Credit Cards to your uChoose Rewards profile to earn points faster? Make sure to register your Debit Card at to redeem your points.

Monitor and control your PCT Debit Card with CardValet! Enjoy peace of mind and control over your PCT Debit Card by using CardValet! When you sign up, you’ll get real-time alerts that keep you informed of where and when your card is used, allowing you to monitor and prevent fraud. You can also quickly toggle your card “on” and “off” via the CardValet app so that no new withdrawals or purchases can be made without your approval. Start using CardValet by downloading the app for Apple or Android today!

Overdraft Options

PCT Federal Credit Union offers a variety of overdraft protection programs to help cover insufficient funds should an emergency or unexpected event arise.

Overdraft Transfers
As a valued member, the credit union will automatically transfer available funds from your savings account to cover any item that may overdraw your checking. Members may also authorize this automatic transfer to come from alternate accounts (i.e. money market or secondary accounts) within the credit union. While there is no cost to have this service in place, usage of this transfer will incur a minimal fee. Transfers made by members on their own behalf through Online Banking are always free of charge.

Courtesy Pay
Courtesy Pay is a service available to our members for their personal checking account. Once an account is approved for this service, we will honor overdrafts of checks, ACH (Automated Clearing House) withdrawals, teller withdrawals, Bill Pay transactions, and service fees. ATM withdrawals and debit card transactions will only be covered if you opt-in.  Should an overdraft occur, you will be covered for a maximum overdraft limit of $500 including overdraft fees.

Overdraft Line of Credit
When an overdraft occurs, the line of credit is accessed and money is transferred into your checking account to cover any transaction that exceeds your available balance.

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Check Reorder

Quickly and securely reorder your checks online with online check reordering. Have your routing number, account number and next starting check number ready.