PFFCU’s Checking is FREE! We pay higher yields than banks, and there is no minimum balance requirement, and no service charges. Members can apply for a checking account online, by calling us at 215-931-0300 or 800-228-8801, or by stopping in at any of our branches.   Apply Now»

Switching to PFFCU Checking is Easy
If you already have a checking account at another financial institution you should switch your checking account to PFFCU. Unlike most banks, PFFCU offers many FREE convenient checking features, including FREE Direct Deposit, FREE online banking and FREE bill pay. We think that once you realize everything that PFFCU has to offer, you will want to switch your checking account to PFFCU. To help you make this switch, utilize our EASY SWITCH KIT CHECKLIST. With this checklist you can track the important steps and obtain the forms that will enable you to quickly and easily switch to PFFCU checking. Act today, to enjoy all the benefits listed below.

Free Overdraft Service From Your Savings or PLOC
As a PFFCU member, you always have FREE overdraft protection for your Checking Account from your Savings account. If you have a Personal Line of Credit (PLOC) you may also establish FREE overdraft protection for your Checking Account from your PLOC. Complete this application to set-up your PLOC to provide overdraft protection and select your overdraft options. With either of these FREE overdraft services, the funds in your savings or the available credit on your PLOC will be transferred to your Checking Account to cover the overdraft.    Apply Now»

Courtesy Overdraft With A Fee
PFFCU offers a Courtesy Overdraft (COD) program, where PFFCU will pay overdrafts, up to a predetermined limit, if there are insufficient funds in your Savings Account and no available credit on your PLOC to cover the overdraft. When a check, Automated Clearing House (ACH) debit or Bill Payer payment is paid by using COD it causes your Checking Account to have a negative balance, which then must be repaid. You must qualify for COD but do not need to take any action to use this service for these types of transactions.  You will incur a $19 fee for using this service to cover personal checks, ACH debits or Bill Payer payments.

Our COD program also protects your Checking Account against overdrafts when you use your PFFCU Debit Card at the point of sale.  There is a $5 fee when this type of transaction occurs.  Federal regulations currently prohibit us from paying one-time PFFCU point-of-sale Debit Card Overdrafts, unless you authorize us to do so by enrolling in this service. To enroll, complete this form, or call Telephone Member Service at 215-931-0300 or 1-800-228-8801 or stop by your nearest PFFCU branch location. 
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Apply for a FREE PFFCU Debit Card
The PFFCU Debit Card combines your VISA debit card and your ATM card all in one. It enables you to make purchases (up to $2000/day) anywhere VISA is accepted, as long as the funds are available in your checking account. It's safer than carrying cash, and makes it easy to keep track of your money. With your PFFCU Debit Card, you get free unlimited transactions at PFFCU ATMs, and twelve free transactions per month at non-PFFCU ATMs.* You can also use your PFFCU Debit Card for purchases at supermarkets and other, selected retailers, and ask for cash back when you are completing a transaction requiring your PIN. We provide many opportunities for members to avoid paying a surcharge at non-PFFCU ATMs, including Wawa^®, 7-Eleven^®, and the Pennsylvania Credit Union Association network. Visit our ATM Locations page to locate the no-surcharge ATMs most convenient for you.

Sign up for Direct Deposit
Give your employer PFFCU's ABA Routing Number, which is 236084285, and have your paycheck deposited directly into your account. Your funds will be immediately available on your regularly scheduled payday. You can also have your Social Security or government checks deposited into your account.

Deposits by Phone
You can make deposits to your PFFCU accounts from your accounts at other financial institutions by calling us or stopping in at a branch.    Learn More»

Deposits by Mail
Here's one more easy way to conveniently make deposits to your PFFCU accounts.    Learn More»

Get FREE Internet & phone account access
PC EXPRESS allows you to access your account online, as often as you like, FREE of charge. You can view and print statement information, check balances, transfer funds between PFFCU accounts, purchase certificates, apply for loans, verify cleared checks and pay bills, all at your convenience. You can even access your account by telephone by calling 24-Hour EXPRESS Banker. We even offer convenient online check reordering.    Apply Now»

Pay your bills online
Save time and stamps by paying all your bills online through PC EXPRESS or via phone through 24-Hour EXPRESS Banker. Our Bill Payer service allows you to pay up to 40 bills per month and is a FREE service.   Enroll Now»

Check Style Options
PFFCU offers members a variety of check styles. You can view our most popular check styles online, or in person at any one of our conveniently located branches.    View Check Styles»

Personalized Access to PFFCU Member Service Representatives
Enjoy access to your account six-days-a-week in person or by telephone. Visit any of our conveniently located branches for all of your financial needs. Not near a branch? Contact our Call Center at 215-931-0300 or 800-228-8801 and one of our skilled Telephone Member Service representatives can guide you through all of your transactions, and give you access to all of our services-- including taking loan applications or opening any of our high-yielding share accounts and certificates. Whichever option you choose, we're available six-days-a-week to serve you.