Personal Checking
Personal

Personal Checking

Using your own money should be easy.  We’ve designed our checking accounts based directly on member feedback, so that as a Pacific Crest member, you can rest assured they’re easy to access, easy to understand, and easy to use.

No fuss, just great checking

Free checking

Free debit cards & ATMs, no minimum balance required, no monthly service fee.

Competitive rates

Explore opportunities to earn dividends with Rewards Checking.

Member-owned

Join with us in making our communities stronger, and own your finances.

Which account is right for me?

  • Free e-statements

    Free e-statements

  • Free debit card

    Free debit card

  • Network of 30K surcharge-free ATMs nationwide

    Network of 30K surcharge-free ATMs nationwide

  • Online & mobile banking

    Online & mobile banking

  • No minimum balance limit

    No minimum balance limit

  • No monthly service fees

    No monthly service fees

  • Automatic savings transfers

    Automatic savings transfers

  • Overdraft privileges1

    Overdraft privileges1

  • Opportunity to earn greater dividends on balances up to $10,000 when requirements are met2

    Opportunity to earn greater dividends on balances up to $10,000 when requirements are met2

Rewards Checking
Maximize benefits with the opportunity to earn interest.

  • Free e-statements

  • Free debit card

  • Network of 30K surcharge-free ATMs nationwide

  • Online & mobile banking

  • No minimum balance limit

  • No monthly service fees

  • Automatic savings transfers

  • Overdraft privileges1

  • Opportunity to earn greater dividends on balances up to $10,000 when requirements are met2

Simple Checking
Just what it sounds like: no-hassle checking.

  • Free e-statements

  • Free debit card

  • Network of 30K surcharge-free ATMs nationwide

  • Online & mobile banking

  • No minimum balance limit

  • No monthly service fees

  • Automatic savings transfers

  • Overdraft privileges1

  • Opportunity to earn greater dividends on balances up to $10,000 when requirements are met2

Let's get started

Visit a branch.
Find a Location
Apply for your checking account online.
Apply Here
Call or email.

(800) 570-0265
webcontacts@mypcfcu.org

Today’s rates

 

Simple Checking

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

No minimum balance

n/a

n/a

n/a

Rewards Checking

Balance to Earn APY

Dividend Rate

Annual Percentage Yield

Rates Effective: April 1, 2018
Minimum $5 Par Share balance required to earn APY.

To receive the APY, you must meeting the following requirements: 1) Have at least 15 debit card purchases post and clear during the calendar month; 2) Be enrolled in E-Statements; 3) Have no loans that are 15 or more days past due. A Membership Savings with a $5 minimum balance is required to earn APY. The dividend rate and APY may change at any time as determined by the Credit Union’s Board of Directors. Dividends are calculated by the daily balance method which applies a daily periodic rate to the principal in the account each day. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend period is the period of time at the end of which an account earns dividend credit. The dividend period begins on the first calendar day of the month and ends on the last calendar day of the month. Dividends will be compounded monthly and will be credited to the account monthly. 

$0.01 - $10,000.00

2.00%

2.02%

$10,000.01 and up

0.00% - 0.02%

0.00% to 0.02%

We’re a credit union. We’re your community.

Pacific Crest isn’t a bank. We’re a financial co-op owned by 15,000+ people in the Klamath Basin and surrounding rural communities. In 2016 alone, we returned a financial benefit of over $16 million to our home and yours — by reaching out, giving back, and paying it forward.

Reaching out & building partnerships

Reaching out

At Pacific Crest, we build partnerships and provide services designed to make a difference, while devoting hundreds of volunteer hours every year to good causes.

Community involvement »

Giving back & donating to community

Giving back

We search for organizations that are making a positive impact in our communities, whose work has a ripple effect, and put our dollars where it means the most.

Donations »

Paying it forward with scholarships

Paying it forward

To help deserving students make a difference, we offer four $1,000 annual scholarships inspired by board members who made a difference at Pacific Crest.

Scholarships »

What is it like to be a member at Pacific Crest?

Ready to set out?

Visit a branch.
Find a location
Apply for your checking account online.
Apply here
Call or email.

(800) 570-0265
email@pacificcrest.com

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