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Checking

Checking Accounts

At PNWFCU, you can choose the checking account that best fits your needs:

 eCheckingeChecking PlusBasic CheckingChecking 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***

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.

Basic CheckingOpened EntryClosed Entry

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.

eCheckingOpened EntryClosed Entry

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.

Checking PlusOpened EntryClosed Entry

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.

eChecking PlusOpened EntryClosed Entry

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.

Courtesy Pay

PNWFCU checking accounts include a convenient overdraft feature called Courtesy Pay. If you don’t have enough funds in your checking account, or through an overdraft protection plan, we may cover your purchase with Courtesy Pay. This feature automatically covers purchases made by check, ACH or automatic bill payment. However, we are not authorized to pay overdrafts on everyday debit card and ATM transactions unless you ask us to. If you would like to sign up for this additional overdraft coverage, complete this opt-in form.

Please review our Courtesy Pay FAQs and Tips to Avoid Overdrafts for more information. We always encourage responsible management of your finances.  Please contact us if you have any questions.

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