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?
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Free e-statements
Free e-statements
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Free debit card
Free debit card
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Network of 30K surcharge-free ATMs nationwide
Network of 30K surcharge-free ATMs nationwide
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Online & mobile banking
Online & mobile banking
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No minimum balance limit
No minimum balance limit
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No monthly service fees
No monthly service fees
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Automatic savings transfers
Automatic savings transfers
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Overdraft privileges
Overdraft privileges
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Opportunity to earn greater dividends on balances up to $10,000 when requirements are met*
Opportunity to earn greater dividends on balances up to $10,000 when requirements are met*
Rewards Checking
Maximize benefits with the opportunity to earn interest.
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Free e-statements
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Free debit card
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Network of 30K surcharge-free ATMs nationwide
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Online & mobile banking
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No minimum balance limit
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No monthly service fees
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Automatic savings transfers
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Overdraft privileges
-
Opportunity to earn greater dividends on balances up to $10,000 when requirements are met*
Simple Checking
Just what it sounds like: no-hassle checking.
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Free e-statements
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Free debit card
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Network of 30K surcharge-free ATMs nationwide
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Online & mobile banking
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No minimum balance limit
-
No monthly service fees
-
Automatic savings transfers
-
Overdraft privileges
-
Opportunity to earn greater dividends on balances up to $10,000 when requirements are met*
Let's get started
Today’s rates
|
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield |
|---|---|---|
|
No minimum balance |
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|
n/a |
n/a |
n/a |
|
Balance to Earn APY |
Dividend Rate |
Annual Percentage Yield* |
|---|---|---|
|
Rates Effective: September 1, 2021 * To receive the APY, you must meet 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 average daily balance method which applies a periodic rate to the average daily balance in the account for the dividend period. 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. Fees may reduce earnings. |
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$0.01 - $10,000.00 |
2.00% |
2.02% |
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$10,000.01 + |
0.02% |
2.02% - 0.69% |
We’re a credit union. We’re your community.
Pacific Crest isn’t a bank. We’re a financial co-op owned by 16,000+ people in the Klamath Basin and surrounding rural communities. In 2018 alone, we returned a financial benefit of over $23 million to our home and yours — by reaching out, giving back, and paying it forward.
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.
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.
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.