1.00% APY on first $5,000.¹ No minimum balance. No monthly fees. Superior service.

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Enjoy FREE and convenient Checking. Get safe and easy access to all your PFFCU accounts anytime, anywhere from your computer, mobile device, or telephone.

Are you donating $5,900 to your bank?

The largest banks in the Philadelphia area require an average minimum deposit balance of $5,900 to keep your money in their entry-level interest bearing checking accounts without incurring a maintenance fee! PFFCU offers one checking account to all members with a $0 minimum balance. PFFCU offers the best benefits with fewer fees!
% Yield
Monthly Fee
Minimum Balance to
Avoid Fee
Overdraft from
Savings or Line of
Credit Fee
Everyday Debit
Card Overdraft
Item Fee
Check and ACH
Overdraft Fee
Bank Average0.02%$21$5,900$7$35 $35
TD Bank20.05%$25$2,500$10$35$35
Wells Fargo20.01%$15$10,000$13$35$35
Bank of America20.01%$25$10,000$0$35$35
Citizens Bank20.02%$25$5,000$12
from Line of Credit

Mobile App

On the go, quick, secure account access anytime, anywhere. Use Mobile Deposit to deposit checks into your checking or savings account using your smartphone. Manage your finances with ease!

Online Banking

Access account information from your computer or mobile device. View account balances, transaction history, transfer funds, apply for loans, pay bills, view statements, your PFFCU Credit Card information, and more.

Bill Pay

Easily and conveniently pay bills through Online Banking. Pay bills one time or set up recurring payments.

FREE Overdraft Protection

Available from your Savings Account or a Personal Line of Credit.

24-Hour EXPRESSBanker

Safely and easily access account information by using your telephone. View account balances, transfer funds, verify cleared checks and more.

Deposits by Phone and Mail

Make deposits to your PFFCU accounts from your accounts at other financial institutions by calling us or by mail.

Members receive 12 FREE ATM transactions per month at non-PFFCU ATMs. There is a $1 fee for non-PFFCU ATM transactions after the first twelve each month. Surcharges may be imposed by other financial institutions, ATM operators and/or any network for each time certain card transactions are completed at ATMs they own or operate.

1. The first $5,000 held in a PFFCU Checking Account earns 1.00% APY (Annual Percentage Yield). The remaining balance earns 0.10% APY. APYs are subject to change as determined by the PFFCU Board of Directors.
2. Competitors’ account information is based on their basic interest bearing account and is effective as of October 2017.


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Not a Member?

If you are not a member, applying only takes minutes and you can open a checking account during the process.


or Call 800-239-1837 to join by phone.

Already a Member?

Members must call us at 215-931-0300 or 800-228-8801 to request a checking share.