FREE PFFCU Checking
1.00% APY on first $5,000.¹ No minimum balance. No monthly fees. Superior service.
FREE PFFCU Checking
Enjoy FREE and convenient Checking. Get safe and easy access to all your PFFCU accounts anytime, anywhere from your computer, mobile device, or telephone.
Recently awarded Best Credit Union and Best Mortgage Lender – Bucks County Courier Times & Burlington County Times, and Best Mortgage Experience, Best Loan Experience, and Best New Member Experience by MemberXP.
Are you donating $6,700 to your bank?
The largest banks in the Philadelphia area require an average minimum deposit balance of $6,700 to keep your money in their 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!| Financial Institution | Annual % Yield | Checking Monthly Fee | Minimum Balance to Avoid Fee | Overdraft from Savings or Line of Credit Fee | Everyday Debit Card Overdraft Item Fee2 | Check and ACH Overdraft Fee |
|---|---|---|---|---|---|---|
| Bank Average | 0.02% | $19 | $6,000 | $8 | $35 | $35 |
| PFFCU1 | 1.00%1 | FREE | NONE | FREE | $7 | $18 |
| TD Bank3 | 0.05% | $25 | $2,500 | $10 | $35 | $35 |
| Wells Fargo3 | 0.01% | $15 | $10,000 | $13 | $35 | $35 |
| WSFS3 | 0.01% | $8 | $1,500 | $10 | $35 | $35 |
| Chase3 | 0.01% | $25 | $15,000 | $0 | $34 | $34 |
| Citizens Bank3 | 0.02% | $25 | $5,000 | $12 from Line of Credit | $35 | $35 |
| PNC3 | 0.01% | $15 | $2,000 | $0 | $36 | $36 |
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. The ATM operator may charge you multiple fees for multiple transactions (for example, a fee for a balance inquiry and a fee for a withdrawal) during the same ATM session.
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. Members must enroll to obtain Courtesy Overdraft protection for everyday debit card transactions. Click here for more details.
3. Competitors’ account information is based on their basic interest bearing account and is effective as of September 2019.