Free Checking

Accounts

Free Checking

WOULDN'T YOU PREFER FREE AND CONVENIENT CHECKING?

We give you everything that you need from a checking account: and we make it free and easy! No minimum balance. No "Per Check" charge. Easy Access. Connect your PEFCU checking account with our PEFCU Visa Debit Card to leave the hassle of check-writing behind!

Qualifications:

  • Must be 13 years of age
  • Must have a Base Share savings account with a minimum balance of $5 

Third Party Checks Are Not Acceptable Deposits.  A third party check (check made payable to non-account holder) will be removed from your account, even if the check is endorsed by the payee to be deposited into your account.  

Making a Deposit  to Your Account

PEFCU Mobile Banking’s Mobile Deposit feature is our most popular option for making deposits. For more information, please click here.

Other deposit options include:

  • Direct Deposit: Use your PEFCU routing number (263179817) and account number to sign up for direct deposit through your employer, the government, or any other participating funder.
  • PEFCU Isle-of-Service ATM: Make unlimited deposits. For check deposits, only the first $600 will be made available immediately.
  • Local PEFCU Branch: Click here to check your nearest branch’s location and business hours.
  • Bank-By-Mail: Call us at 1-800-226-6673 to request pre-paid postage envelopes for your mail-in deposits. All Bank-by-Mail deposits will be posted on the day that they are received. We will also mail a receipt confirming delivery to you. 

What can Mobile Deposit do for you?

For qualifying accounts, you can now conveniently deposit checks into your PEFCU savings and/or checking accounts from your smart phone. You will also be able to track and view all mobile deposits.

Requirements:

  • Smart mobile device with camera feature
  • PEFCU Mobile Banking app
  • Internet access

Instructions:

1. Endorse the back of the check, including:

  • Required accountholder signature(s)
  • PEFCU account number that will receive the deposit
  • Note "For Mobile Deposits Only at PEFCU"

2. From your mobile device, go to PEFCU Mobile Banking>Mobile Check Deposit

3. Select the PEFCU account receiving the deposit from drop down list

4. Enter the dollar amount of the check

5. Press the “Check Front” and “Check Back” icons to take photos of the front and back of the endorsed check. All corners of the check must be visible.

6. Press the “Submit” button to complete your mobile deposit. A message confirming your deposit will be displayed if the submission is successful.

*The Credit Union reserves the right to close this account for reasons including, but not limited, to the following abuses: numerous returned items, suspected kiting activity or fraud, or recurring negative account balances.

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