Skip to main content

Checking Accounts

Our checking account options are designed to fit your specific needs. Each account focuses on growing with you and your family. Choose the account that fits your lifestyle.

All of our checking accounts feature:

  • No minimum balance fee
  • No monthly service fee
  • Complimentary first check order
  • Visa® debit card with EMV Chip Security
  • Access to over 35,000 surcharge free ATMs
  • It’sMe247 Online Banking
  • Mobile App
  • Online Bill Pay
  • Online check images for easy record keeping
  • 24/7 access to account statements
  • Direct Deposit or Payroll Deduction available
  • Overdraft Protection
  • Courtesy Pay options

You can earn higher dividends** by simply:

  • Going paperless with eStatements
  • Setting up net direct deposit
  • Using your Visa debit card at least 6 times per month
  • Courtesy Pay options

**Please see Rate and Fee schedule at the top of the page for current Dividend/Annual Percentage Rate (APY).

 

Our Premier Checking Account is a high-yield investment account with draft access. It is a tiered rate account, rewarding you with dividend rates that increase as your daily balance increases.

  • Receive electronic account statements
  • $2,500 minimum balance to earn dividends**
  • Visa® debit/check card accessibility
  • Overdraft protection available*
  • Overdraft privilege available for Debit Card purchases
  • Custom personal checks available
  • Courtesy Pay options

*A fee may be imposed for covering overdrafts created by check, debit card transactions, ATM withdrawal or other electronic means. Overdrafts will be paid on a discretionary basis; we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits or you have too many overdrafts. If your account is overdrawn for 45 days, it will be closed.

**Please see Rate and Fee schedule at the top of the page for current Dividend/Annual Percentage Rate (APY).

Please review the following important information:
Your account will be charged on overdraft fee of $32.00 for each presentment of an item that is paid by Courtesy Pay. This is the same fee we charge for items drawn against insufficient funds and returned to the payee. FPCCFCU uses your current balance when determining whether a transaction will cause your account to overdraw and for charging overdraft and NSF fees. Your available balance is the amount of money that is actually in your account at any given time. Your available balance reflects transactions that have “posted” to your account and transactions that have been authorized and are pending.
FPCCFCU has the discretion to pay your overdrafts but is not obligated to do so. We may withdraw or reduce the amount of this privilege at any time. An overdrawn balance must be repaid within 35 days or your Courtesy Pay limit may be removed.
This service is offered as an additional benefit of doing business with FPCCFCU. It is our pleasure to make this courtesy available to you as a means of expressing our appreciation for the confidence you have placed in FPCCFCU by entrusting us with your financial relationship.