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 3.00% 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 Home or Mobile 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 1.00% 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 don’t forget even when you don’t qualify for the extra interest you’ll still enjoy:

  • No monthly service fee (when you select eStatements)
  • Free Online & Mobile Banking
  • Thousands of surcharge free ATMs in the AllianceOne & MoneyPass Networks
  • Free BillPay when you schedule at least one payment a month.
  • Courtesy Pay & Overdraft Protection available
  • No minimum balance
  • No per check fee
  • Monthly tiered dividends

Call or stop in and see us today to start your Ultimate Checking!

Still have questions? Call us at 800-582-7228, or send us a message here, we’ll help you decide if Ultimate Checking is right for you.


Rates subject to change without notice.

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