Regular Checking

Our Regular Checking provides premium benefits that include:
 

• No overdraft or non-sufficient funds (NSF) fees

• Low minimum opening deposit of $20

• Free Visa® debit card for easy in-person and online purchases

• Free Online Banking and time-saving electronic Bill Pay¹

• Unlimited use of our highly-rated Mobile App and eDeposit of checks

• No per check charges

• Access to a nationwide network of thousands of surcharge-free ATMs²
   

We designed it to provide convenience and simplify your finances.

New members can open an account by filling out our secured online application form. Existing members need to call or visit a branch to open an account.

Credit unions are member-owned organizations. We design our checking accounts to benefit you, not generate profit. Expect competitive rates and features like no overdraft fees and more!

Definitely! We eliminated overdraft fees via our Regular Checking account. So you don't have to stress about penalties if your account balance dips into the negative.

As a member, you get unlimited free ATM withdrawals at any PFCU ATM. 

Depending on your Relationship Level, you can also withdraw money at an ATM without any charges when you use one of the surcharge-free ATMs available nationwide².

Yes, our Regular Checking includes Bill Pay. You’ll be able to pay bills online and skip paper checks and stamps.

However, if you opt in to Bill Pay but don’t use it to pay at least one bill per month, you may be charged a $4.95 fee.

You do need to be a member. Joining is easy! Simply open a traditional Savings Account with a deposit of $5 and you can then open your Regular Checking account.

Our membership consists of those who live, work or go to school in Broward, Charlotte, Collier, Lee, Martin, Miami-Dade, Monroe, Palm Beach County, Hillsborough, Manatee, Pinellas, Sarasota, or St. Lucie counties.

Immediate family of all current members are also eligible to join.

We're also proud to offer membership to our Select Employee Groups. Employees and members of these organizations are always welcome to join, no matter where they live: 

• Ryder System, Inc. 

• FPL/NextEra Energy

• Bonefish & Tarpon Trust