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Free means free at PECU.  If what you need in a checking account is reliability, no fees and absolutely no balance requirements, choose PECU Free Checking.  There’s no service charge, no usage requirements and no required tie-in to other products. Use your ATM card at more than 300 totally free ATMs. Make no mistake, PECU wants your primary checking account. Start saving right now with PECU Free Checking!

Minimum to Open: The minimum required to open a checking account is $25.00.                                   

Fees and Charges: You agree to pay the fees and charges that pertain to this account listed in the Service Price Schedule, which is a separate disclosure.  Fees may reduce earnings on an account.

Transaction Limitations: There are no transaction limitations on this account with the exception of daily CheckCard or ATM card limits.  Refer to the MasterCard CheckCard, ATM Card and Electronic Services Agreement and Disclosure.

Checks and Check Reordering:  This credit union's processor retains check copies of your canceled checks up to 7 years.  You do not receive them with your statement.  See "Service and Fee" schedule for fees to obtain copies of your checks.  Incorrectly coded checks or checks with numbers greater than 7999 ordered through a company other than PECU may incur a fee for processing.

Overdraft Protection: Overdraft service for checking accounts may be authorized from your savings and/or Money Market account in excess of the amounts not pledged as collateral or funds not on hold.  See specific account disclosures for limitations that may apply. Overdrafts are transferred in amounts as needed depending on the amount available and the type of transaction.

The National Credit Union Share Insurance Fund: This federal fund insures member accounts up to $250,000.00 aggregate total.

Excess Share Insurance: This is a private insurance company that insures accounts up to an additional $250,000.00 aggregate total.