Apex Checking
Unlock the full potential of your finances
Maximize your money with our Apex Checking Account featuring our highest APY with minimal account requirements.
Perks of Apex Checking:
- High-Yield on balances up to $20,000, when requirements are met1
- No minimum balance required
- No monthly maintenance fees
- Free Online Banking and mobile banking with mobile deposit
- Free Visa Debit Card
- Overdraft protection option
- Free eStatement
- Free Bill Pay
- Early Direct Deposit – Get your funds up to two days early4
- Zelle® – Fast, and safe way to send and receive money (Coming in June 2025)
Visa Debit Card included
Your free Visa Debit Card comes with valuable benefits.
- Access to 120,000+ surcharge-free ATMs worldwide
- Mobile Wallet access
- Zero Liability Fraud Protection
Account Requirements1:
- Minimum opening deposit of just $25.
- Set up Direct Deposit (Get your funds up to two days early4)
- Sign up for eStatements
- Login to Online Banking at least once per month
- Make at least 10 debit card transactions per month
Already have a PFCU Checking Account?
You can upgrade your existing Free Plus Interest Checking or Refresh Checking to Apex Checking by filling out an Account Change Form.
Apex Checking Rates
| Account Balance | Min. Balance to Receive Dividends | Dividend rate | APY* |
|---|---|---|---|
| Daily Balance is $20,000 or less | $0.00 | 5.37% | 5.50% |
| Daily Balance is greater than $20,000 | $0.00 | 0.25% | 0.25% |
| Requirements not met1 | $0.00 | 0.25% | 0.25% |
Compare PFCU Checking Accounts
| Compare | Apex Checking | Free Plus Interest Checking | Refresh CheckinG3 |
|---|---|---|---|
| Monthly maintenance fee | $0 | $0 | $8.95 |
| Minimum opening balance | $25 | $0 | $25 |
| Minimum balance to earn interest | $01 | $5002 | n/a |
| Minimum savings amount | $5 | $5 | $5 |
| Free Online Banking and mobile banking | |||
| 120,000+ surcharge free ATMs worldwide | |||
| Free Visa Debit Card | |||
| Overdraft protection | |||
| eAlerts |
Frequently Asked Questions
If you are already a member, you can open a new Checking and Savings account through Online Banking or the Mobile App, by going to More Services in the dashboard and then clicking Open a Share.
If you are not a member, head to our Become a Member page where you can learn more and fill out an application form.
For Apex Checking, there is a minimum opening deposit of $25 required, and no required balance to earn interest.
For Free Plus Interest Checking, there is no minimum opening deposit required, and $500 minimum balance required to earn interest.
For Refresh Checking, there is a minimum opening deposit of $25 required, and this account does not earn interest.
There is no minimum deposit that you must make into your checking account each month.
For more information on fees associated with our savings and checking accounts see our Fee Schedule.
You can re-order your checks online through our check partner Harland Clarke!
You can also contact Member Care at 503-215-6090 or 888-849-5189 (toll-free) to make your first check order.
There are 3 ways you can find your account number:
1. Online Banking or Mobile Banking
- Log Into Online Banking or the Mobile Banking App.
- Select “More Services” from the main menu dashboard.
- Then select “Routing & Account Numbers.”
- To reveal your full account number, you may need to click the toggle above the account name.
2. Bank statements (paper or electronic)
Your account number is listed as “Member Number” on the upper right of your monthly paper or eStatements. This information is only available on statements from October 2023 or newer.
3. Checkbook
The middle section of the bottom row of numbers contains your account number. View the check image below for an example.
“
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Need more information?
Connect with a PFCU Member Consultant, by scheduling an appointment, email, or phone.
Financial Health Check
Looking for freedom from debt and money worries? You’re in the right neighborhood. We’ll help you create a realistic budget, build achievable goals, and reduce high-interest debt.
*APY (ANNUAL PERCENTAGE YIELD). Dividends will be compounded and credited monthly. For dividend bearing accounts, the Dividend Period begins on the first calendar day of the period and ends on the last calendar day of the period. The Credit Union is federally insured by the National Credit Union Administration. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5.00. Must be at least 13 years to open a checking account – see iProsper Teen Account.
1Minimum opening balance of $25.00. To receive the higher APY on balances up to $20,000 you must meet the monthly requirements. Apex Checking (High-Yield Checking), the account must be enrolled in eStatements, must have a payroll, social security, or pension direct deposit each month, at least one log-in to the CCCU online banking system each month and a minimum of 10 debit transactions each month (ATM transactions do not count toward the debit card requirements). The 10 debit transactions must be posted to the account prior to the last business day of each month regardless of when the transaction was conducted. All account requirements must be met by the last day of the month to qualify for the higher rate. The cycle for each month begins on the first day of each month. View current Savings Rates.
2A $500.00 average daily balance is required to earn monthly dividends. View current Savings Rates.
3This is a second-chance checking account. The monthly fee is $8.95 and requires direct deposit and eStatements. If there are no NSFs or Overdraft for 12 consecutive months since account opening, please contact the Credit Union to switch the account to the Free Plus Interest Checking Account. We’re cheering for you!
4You may receive a direct deposit up to two (2) days early with Early Direct Deposit or depending on when your employer/payer provides us the information, and if 1) you have a checking or savings account with us, and 2) a recurring qualifying direct deposit. It is at our discretion to identify which recurring direct deposits are eligible for Early Direct Deposit. We cannot guarantee that you will receive the Early Direct Deposit service due to unanticipated circumstances. Early Direct Deposit is automatic and it’s a free service.