Ultimate Checking

PCCU’s Ultimate Checking embodies the cooperative spirit of the credit union. When you use your PCCU Visa Debit Card for purchases PCCU gets a small slice of that transaction back. If you use it regularly we’ll share some of that slice with you! To qualify for 2.50% APY interest on your Ultimate Checking balance up to $10,000 you must:

  • Make ten debit card purchases of a minimum of $20 each
  • Log in to PCCU All Ways Mobile or Home Banking once a month
  • Elect to receive e-statements
  • Receive at least one direct deposit a month
  • Don’t forget that when you qualify we also pay 0.50% APY interest on Share Draft balances over $10,000.

Even if you miss a month because you forgot to log in and check your statement or you only made nine qualifying debit card purchases, you can qualify again the following month.

And you’ll always enjoy:

  • Instant Issue Debit Cards
  • No monthly service fee (when you select eStatements)
  • Free Online & Mobile Banking
  • Thousands of surcharge free ATMs in the AllianceOne & MoneyPass Networks
  • Free BillPay
  • Courtesy Pay & Overdraft Protection available
  • No minimum balance
  • No per check fee
  • Monthly tiered dividends
  • Peace of Mind – Your Account is federally insured for up to $250,000 by the NCUA

Start your Ultimate Checking Today!

Have questions? Send us a message, or call us at 800-582-7228, and we’ll help you decide if Ultimate Checking is right for you.

Ultimate Checking *Minimum Balance RequiredAnnual Percentage RateAnnual Percentage Yield
Tier 3$10,000+0.50%0.50%
Tier 2$500.00 - $9,999.992.472%2.50%
Tier 1$0.01 - $499.992.472%2.50%
* To receive 2.50% APY on your Ultimate Checking do the following each monthly qualification cycle:
  1. Make 10 debit card purchases of a minimum of $20 each
  2. Use PCCU's Online Banking (at least one log in)
  3. Receive e-Statements
  4. Receive 1 direct deposit

If you miss a monthly qualification cycle, don't worry! You will still enjoy free checking and there's no penalty for not qualifying in a given monthly qualification cycle. Plus, you get a base 0.05% APY** and you get right back to making 2.50% APY the next cycle you qualify.

* Dividends paid monthly. APY is based on the average daily balance on your PCCU checking account.
** Base Checking rates: $0 - $499.99: 0%, $500 and above: 0.05% APY


Rates subject to change without notice.

For more information on terms and fees
Truth in Savings I
Truth in Savings II
Fee Schedule