Free & Restore Checking

In addition to our Kasasa® Rewards Checking Accounts, Pinellas Federal Credit Union also offers two extra checking options for members.

 

divider

 

FREE Checking Account

Experience free checking without having to jump through hoops to avoid costly fees like at other financial institutions. Enjoy convenient access to your money, no monthly maintenance fees, and a full range of digital tools.

 

Join Today      Open Account

 

divider

 

Restore Checking Account

We understand that sometimes life throws you financial curveballs. If you’ve faced financial setbacks that lead to money management or credit challenges, our Restore Checking is an excellent option.

Designed for members with lower credit scores, this checking account provides convenient access to your money, a full range of digital tools, and financial education opportunities to help restore your fiscal standing.

 

Join Today      Open Account

 

divider

 

Free Checking vs Restore Checking
Effective Date: Thursday, August 14th, 2025
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

 

divider

 

Making the Switch to Pinellas FCU!

We understand transferring your account to the credit union can be a little confusing. That’s why we’ve created an easy-to-follow Switch Kit with everything you need.

Access Switch Kit

 

The following forms will assist you when transferring your direct deposit(s) and automatic payment(s) to the credit union. Remember to close your old checking account at your previous financial institution.

 

Go to main navigation