Checking Accounts
At PNWFCU, you can choose the checking account that best fits your needs:
| eChecking | eChecking Plus | Basic Checking | Checking Plus | |
|---|---|---|---|---|
| No monthly service fee |  | | ||
| Free Bill Pay | | | ||
| Unlimited free ATMs* | | | ||
| Over-limit check clearing fee** | | | ||
| E-Statements required | | | ||
| 3 free ATMs* | | |
||
| Unlimited check writing | | |
||
| Dividends earned*** | | |
High-Yield Edge Debit Account
Looking for a checking account for a child or grandchild? Click here to learn more about our High-Yield Youth Debit Account and earn 5.00% APY* on balances up to $1,000.
Click here to review rates and disclosures, or see below for more details on each account.
* All members may pay a surcharge by the ATM proprietor when they use a non-PNWFCU or non-CO-OP ATM.
** 1st 10 checks free per month.
*** Minimum balance required to earn dividends and avoid monthly service fee.
Features Include:
- Non-interest checking with no monthly service fee
- No minimum balance requirement
- 3 free non-PNWFCU/non-CO-OP ATM transactions/month*
- Free access to online and mobile banking, including remote deposit
- Federally insured by the NCUA up to $250,000
* All members may pay a surcharge by the ATM proprietor when they use a non-PNWFCU or non-CO-OP ATM.
Features Include:
- Non-interest checking with no monthly service fee
- No minimum balance requirement
- Free unlimited Bill Pay
- Free ATM transactions*
- Free access to online and mobile banking, including remote deposit
- $0.25 check clearing fee per check (1st 10 checks free/month)
- E-Statements required
- Federally insured by the NCUA up to $250,000
* All members may pay a surcharge by the ATM proprietor when they use a non-PNWFCU or non-CO-OP ATM.
Features Include:
- $5.00 monthly service charge when average balance drops below $500
- 3 free non-PNWFCU/non-CO-OP ATM transactions/month*
- Free access to online and mobile banking, including remote deposit
- Federally insured by the NCUA up to $250,000
* All members may pay a surcharge by the ATM proprietor when they use a non-PNWFCU or non-CO-OP ATM.
Features Include:
- $5.00 monthly service charge when average balance drops below $500
- Free unlimited Bill Pay
- Free ATM transactions*
- Free access to online and mobile banking, including remote deposit
- $0.25 check clearing fee per check (1st 10 checks free/month)
- E-Statements required
- Federally insured by the NCUA up to $250,000
* All members may pay a surcharge by the ATM proprietor when they use a non-PNWFCU or non-CO-OP ATM.
Shop Safely With Your PNWFCU Debit Card
- Data encryption for secure transactions
- Continuous fraud monitoring to protect you from suspicious activity
- Contactless payment technology for enhanced security and added convenience
- Card Center to easily turn your card on and off and set alerts
Overdrafts and Courtesy Pay
An overdraft occurs when the available balance in your account is not enough to cover a transaction, but as a service to you we pay it anyway. We can cover your overdrafts in different ways.
We do authorize and pay overdrafts for the following types of transactions:
- Checks and other transactions made using your checking account number
- Automatic bill payments
- ACH transactions
We only pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:
- ATM transactions
- Debit card purchase transactions
Courtesy Pay Opt-In Authorization
If you want PNWFCU to authorize and pay overdrafts on your ATM and debit card purchase transactions, complete this Courtesy Pay Opt-In form. We always encourage responsible management of your finances, and we have other overdraft protection plans, such as a link to a savings account or line of credit, which may be less expense than our standard overdraft practices. Please review our Courtesy Pay FAQs & Tips to Avoid Overdrafts here for more information, or reach out to us with any questions.
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