Checking Accounts

Pinellas Federal Credit Union offers two types of checking accounts to make sure we serve the needs of our community. 

FREE Checking. You can’t get any better than that. No monthly fees, and no minimum balance requirement. It’s everything you need in a bank account, with amazing benefits and no hidden fees.

Restore Checking. We understand that sometimes life happens and people end up with credit challenges. To help, PFCU offers the Restore Checking Account to members with credit scores of 575 or lower and/or who may have been reported to ChexSystems. This enables us to offer a checking account to “unbanked” or “underserved” consumers who would otherwise not be eligible for checking services. It also gives PFCU an opportunity to educate members and consumers about fiscal responsibility and sound money management strategies.

Free Checking vs Restore Checking
Effective Date: Thursday, July 25th, 2024
Member BenefitsFree Checking AccountRestore Checking Account
Minimum Deposit None $5.00
Monthly Fee None $5.00
Monthly Minimum Balance Requirement None None
Optional Overdraft Protection X None
Optional Overdraft Transfer X X
Unlimited Check Writing X X
FREE EMV Debit Card X X
FREE Direct Deposit X X
FREE WebConnect Online Banking X X
FREE VoiceConnect Phone Banking X X
FREE eStatements and eAlerts X X
FREE Online BillPay X X
FREE Mobile Banking X X
FREE Remote Deposit Capture X X
FREE Loan Repayment through Payroll Deduction X X
FREE PFCU, Publix Presto, and Co-OP ATM withdrawals X X

Open your Checking Account when you open your Membership Share Savings Account. It’s that simple.

Do you have an existing account that you would like to move to Pinellas Federal Credit Union? Switch Today!

Use the following forms to assist you with switching over your direct deposit(s) and automatic payment(s). Remember to then close your checking account at the previous financial institution.

Direct Deposit Change Request

(To switch direct deposits to your Pinellas Federal Credit Union Checking Account)

Automatic Withholding Change Notice

(To switch automatic debits to your Pinellas Federal Credit Union Checking Account)

Account Closure Notice

(To close your checking account at your previous financial institution)

Go to main navigation