Checking Options

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Carefree Checking

An easy, economical checking account that includes some free convenient services to help you manage your money.

	NO monthly service charge if balance stays above $100. $6.00 service charge will be assessed if balance falls below $100. No minimum balance or monthly service charge when you have Direct Deposit or sign up for payroll deduction.
	NO per check charges and unlimited check writing privileges.
	Free box of checks when you bring along your old checks
	NO Fee Tyme Card
	Convenient Automatic Bill Payments with WEBPAY. This service is free. You can use this to pay an unlimited number of bills.
	No fee e-Statements.
	1/2% discount on your auto loan when you open a checking account and use any additional PCCU services.
	No fee Online Account Access through Home Financial Services (HFS)
	NO Fee VISA Check Card adds more advantages to Carefree Checking. You can pay from your checking account without having to write a check. It can be used where checks are not accepted. No I.D. to show. Use anywhere VISA is accepted.
	NO Fee "PAL" (Personal Account Line) Lets you access your PCCU accounts from a touch-tone telephone anywhere, anytime. Use PAL to inquire about savings, checking and loan balances, transfer funds, make loan payments, and much, much more. By using PAL you can avoid the $1.00 charge for telephone transfers.
	Senior Citizens - If you are 62 years of age or over and have Social Security Direct Deposit you'll be entitled to free checks and no service charge.
	No Fee Overdraft Protection. Protects you from accidental overdrafts and jeopardizing your credit record. You can arrange for automatic transfers from your savings account or we can establish a personal line of credit for you with a "Kwik Cash" Loan. (For qualified applicants)
	"Checks on the Fly" - Reorder your checks online

Advantage Checking Account

This is our combined checking and savings account designed to provide you with savings security and checking liquidity.

	$1,000 minimum balance to earn daily dividends (interest) computed on daily balance and paid monthly.
	No minimum deposit.
	Unlimited deposits.
	Unlimited cash withdrawals.
	Check withdrawals are limited to three checks per month for $250 or more.
	No service fees.
	The variable rate can change periodically.
	"Checks on the Fly" - Reorder your checks online

PCCU CheckCard

This card works like a check...only better!

It's your check card - to pay for goods and services right from your checking account - everywhere VISA is accepted--without writing a check.

It's not a credit card because the funds come directly from your checking account. This means that you can avoid carrying a lot of cash.

	There is no ID to show.
	No waiting for check approval.
	It offers you ATM cash access 24 hours a day.
	A detailed description of every card purchase you make appears on your regular monthly statement.
	There are no per check item charges or service fees - just a lot of convenience and benefits.

Check cards are further secured with Verified by VISA. A program that provides added security for all of your online purchases.

The following are the daily transaction limits:

	3 ATM withdrawals for a total dollar limit of -- $510
	10 POS transactions for a total dollar limit of- $510
	5 cash advances for a total dollar limit of - $500
	10 Check/debit card purchases for a total dollar limit of $1,500

Patriot Act Information

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identities each person who opens an account.

What this means for you:

	When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.
	We may also ask to see your driver's license or other identifying documents.