Student Checking

  • Smart start for students 14-23 years of age
  • No Minimum Balance 
  • Direct Deposit, Rewards Earning VISA Debit Card, ATM Access
  • Personalize your PFCU debit card with your image

Checking Rates


Open an Account

Instant Issue


This is a new account offered to students to assist them financially as they complete their education. Ask a Member Service Representative for more details and a brochure.

Personalize your PFCU debit card now, simply click here to get started then pickup your card the same day at any branch.

Since 2010, all checking accounts are assessed a monthly service charge of $1.99 to offset security measures and fight the impacts of identity fraud and data breach. To learn more about the valuable identity fraud services provided with your account, click here.

Account Features
Minimum Balance to Earn A.P.Y. None
Service Fee None
Pioneer@Home Online Banking Free
Statements & check images Pioneer@Home Free
Unlimited Online Bill Pay Free
VISA Debit Card that earns Rewards! points Free
Personalized and Instant Issue Debit Card Yes
VISA Credit Card No annual fee
Direct Deposit to account Free
Credit Builder Program No fees
$1,000 Accidental Death & Dismemberment (with enrollment) Free
$100 Overdraft protection with proof of income (OAC) Yes
Overdraft protection with a linked savings account Yes
Accounts kept open during summer with no fees Yes
Access to your account at over 4,100 U.S. Credit Union locations through Shared Branching Yes
$300 Student VISA Credit Cards with proof of income (OAC) Yes
ID Theft Protection  (Learn more) $1.99
ChangeForward Yes