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Checking

Checking Accounts

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

If you would like:

  • Free unlimited Bill Pay – We have the E-Checking or E-Checking Plus account
  • Free ATM usage* – We have the E-Checking or E-Checking Plus account
  • Free E-Statements – We have the E-Checking or E-Checking Plus account
  • Free unlimited check writing – We have the Basic Checking and Checking Plus account
  • Accounts that pay dividends – We have the Checking Plus or E-Checking Plus account

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.

E-CheckingOpened 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.

E-Checking 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. We always encourage responsible management of your finances.

Check out the Courtesy Pay FAQs and Tips to Avoid Overdrafts, then complete this opt-in form for additional overdraft coverage.

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