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Checking Accounts
The accounts that fit your style.

However you live, Park Community Federal Credit Union offers a checking account that meets your demands. Whether you like doing your banking on the computer or in a branch, enjoy little “extras,” or just crave simplicity, we’ve got you covered.

 All of our accounts come with the convenience of 24-hour access by phone or Internet, and an extended ATM network with over 7,500 ATMs nationwide. Click the links below to help you decide which account you would like to apply for:

HI Checking Free Checking that earns high interest.
eChecking For those who prefer to bank online.
FREEdom Checking Completely fee-free.
Regular Checking For those who enjoy simplicity.
Student Checking For students aged 12-22.
Timeless Checking Designed to compliment the needs of members age 50 and older.
ParkPlus Checking Combines interest dividends with checking access.
Fresh Start For those who need a fresh start

More Checking Options

Money Market Benefits of a savings account with checking privileges.
50 FREE checks to open.
High Performance Money Market Greater earning potential with the flexibility of writing checks. 50 FREE checks to open.


Switch your accounts to Park Community Federal Credit Union today!



The more choices you have, the more likely you are to find an account that meets your specific needs. Whatever account you choose, you’ll enjoy numerous advantages. 

Enjoy these Park Community benefits with every account:
• The ability to write an unlimited number of checks per month
• Unlimited number of ATM transactions at Park Community
• Affiliated ATMs are surcharge free*
• Seven free foreign ATM transactions per statement cycle**
• Free debit card
• Free online banking and 24-hour telephone service
• Free eStatements
• Free notary service
• Free investment counseling 

   * The Park ATM network includes Republic Bank, Fast Bank Free and Alliance One — all can be used surcharge free.
  ** eChecking has unlimited foreign ATM use but Park Community does not pay fees for other institutions.
 

Get even more from your account!

 Sign up for Direct Deposit — your payroll, pension, Social Security, or other regular deposits can be electronically credited to any Park account. This gives you immediate access to your money without visiting the credit union or mailing checks.

                                  


HI Checking Account
Free Checking that earns high interest:

  • Tiered Interest Rates
  • Earn interest on all balances
  • 3 Simple Requirements:

    1. Direct deposit required
    2. 12 Signed Debit Card transactions per cycle
    3. eStatements required
  • ATM Refunds nationwide if 3 above requirements are met*
  • Unlimited foreign ATM transactions*
  • No monthly service charge
  • No minimum balance
  • FREE online bill payment
  • Unlimited check writing 
  • 50 FREE checks to open

*Other institution fee may still apply. No surcharge at any Republic Bank, Fast Bank Free, Money Pass, or Alliance One ATMs. Refunds up to $15 at the end of the cycle if account requirements are met.


 

eChecking Account
For those who prefer to bank online:

  • Unlimited foreign ATM transactions **
  • No monthly service charge
  • No minimum balance
  • FREE online bill payment
  • Unlimited check writing
  • 50 FREE checks to open 
  • No fee travelers checks for one
  • Direct deposit required

 

Regular Checking Account
For those who enjoy simplicity:

  • Relationship Benefits - if you have a PCFCU loan or meet the minimum balance requirements, you enjoy fee free checking
  • Direct Deposit not required
  • FREE unlimited bill payment
  • 7 Free foreign ATM transactions**
  • Unlimited check writing
  • 50 FREE checks to open
  • No fee travelers checks for one
  • $5.00 monthly service charge waived with minimum balance of $300 in checking OR $200 in combined savings OR a loan relationship.

FREEdom Checking Account
Completely fee-free:

  • No monthly service charge
  • No minimum balance
  • FREE unlimited bill payment
  • 7 FREE foreign ATM transactions**
  • Unlimited check writing
  • 50 FREE checks to open
  • No fee travelers checks for one
  • Direct deposit or payroll deduction of at least $400.00 per month required


Student Checking Account
For students aged 12-22:

Nothing screams independence like having your very own checking account with no minimum balance and no monthly service fee.

  1. For students 12-22 years of age. May be over 22 if enrolled as a full-time student. Individuals under 18 must have a joint owner 18 years or older.
  2. Must be 12 years of age or older.

For those of you getting ready to enter college or maybe you're already there, don't forget to apply for the Park Community Federal Credit Union Scholarship

Timeless Checking Account
Designed to compliment the needs of our members age 50 & older:

  • Higher interest rates earned on higher balances
  • No minimum balance
  • No monthly service charge 
  • FREE online bill payment
  • Loan discounts***
  • Bonus rates on CDs^
  • 1box of checks FREE annually
  • FREE stop payments
  • 1 FREE cashiers check per month
  • FREE lock-box*
  • 6 FREE photocopies of share drafts per year
  • 7 FREE foreign ATM transactions**
  • Unlimited check writing
  • No fee travelers checks for one or two
  • Must be age 50 or older to qualify.


ParkPlus Checking
Combines interest dividends with checking access:

  • Higher interest rates earned on higher balances
  • FREE online bill payment
  • Loan discounts***
  • Bonus rates on CDs^
  • 7 FREE foreign ATM transactions**
  • Unlimited check writing
  • 50 FREE checks to open
  • NO FEE travelers checks for one or two
  • $10.00 monthly service charge waived if minimum balance of $1,000 is maintained.

Fresh Start Account
For those who need a fresh start.

  • No minimum balance
  • FREE Pronto Debit/ATM card
  • Unlimited Pronto Debit card transactions
  • 7 FREE foreign ATM transactions**
  • Monthly service charge $12.00
  • Direct Deposit required
  • FREE Online Banking
  • FREE DIAL, our telephone banking service
  • FREE e-Statements
  • FREE e-mail notification
  • Unlimited PCFCU ATM transactions
  • No surcharge at any Republic Bank, Fast Bank Free, Money Pass, or Alliance One ATMs
  • FREE Notary Service
  • FREE Signature Guarantee
  • FREE Investment Counseling

*Lock-boxes available at Fern Valley and Blankenbaker branches only.  Subject to availability.
**Other institution fee may still apply. No surcharge at any Republic Bank, Fast Bank Free, Money Pass, or Alliance One ATMs.
***New loans only.  Must qualify, have direct deposit, and have payments automatically deducted.  Does not include real estate secured or hypo loans.
^New certificates only.  Excludes specials and CerKidicates.  Must have direct deposit to qualify.
 
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