All People's checking accounts feature no minimum balance requirements, free VISA® Debit/ATM cards—and no monthly fees.
Access your checking account through free Online Banking, free Mobile Banking, free Bill Pay, your free Debit/ATM Card, or by free unlimited check writing. To go paper-free be sure to sign-up for free eStatements.
Carefree Checking is designed to meet all your checking needs with no monthly fee. Plus, once opened with only $100, there is no minimum balance requirement. Carefree Checking makes it easy and economical to manage your day-to-day finances.
- Pay all your bills for free with Bill Pay.
- Use your free Debit/ATM Card at ATMs and retailers worldwide (just be sure to let us know when you'll be traveling outside Washington or Oregon).
- For a small fee, get a personalized Debit/ATM Card through our Creative Card Maker program.
- Manage your account online through Online Banking and Mobile Banking
- Access free electronic copies of your checks and eStatements.
- Courtesy Pay and Overdraft Protection for when there are not quite enough funds in your account.
Earn 2.10% APY* on your Loyalty Checking account, plus refunds on all domestic ATM surcharges (up to $100 per month).
To qualify for the Loyalty Checking rate and ATM surcharge refunds all you need are:
- Deposits totaling $350 or more each month
- At least 10 debit card transactions each month (ATM transactions not included)
- Receive Monthly eStatements
- 3 PCCU Online Banking and/or Bill Pay transactions each month
- All requirements must be met with transactions posted and cleared by the close of business on the last day of the month.
Loyalty Checking is designed to meet your checking needs with no monthly fee, while earning a high dividend rate on balances up to $35,000. Once opened with only $100, there is no minimum balance requirement. Like Carefree Checking, Loyalty Checking makes it easy and economical to manage your day-to-day finances. Coupled with Loyalty Savings, you can also earn higher dividends on the first $750 of your Loyalty Savings account balance.
Pay all your bills with free Bill Pay. Use your free ATM/Debit Card at ATMs and retailers across the country and around the world (just be sure to let us know when you'll be traveling outside Washington or Oregon). For a small fee, you can get a personalized ATM/Debit Card through our Creative Card Maker program. Manage your account online through Online Banking, which includes free copies of your checks, and eStatements. We also offer Courtesy Pay and Overdraft Protection for when there are not quite enough funds in your account.
*Annual percentage yield; subject to change. Not available for business accounts. If Loyalty Checking requirements are not met the balance will earn the same APY as the Carefree Savings Account and ATM surcharges will not be refunded. Loyalty Checking balances greater than $35,000 will earn the same APY as the Carefree Savings Account even if Loyalty Checking requirements are met. Fees could reduce earnings. Only one Loyalty Savings and one Loyalty Checking account per member (social security number).
VISA® Debit/ATM Card
Your People's Visa® Debit/ATM Card
- 24/7 checking account access
- Access to more than 30,000 surcharge-free ATMs nationwide
- Accepted at retail merchants worldwide wherever you see the VISA symbol (Traveling? Let us know before you go!).
- No annual fee or monthly transaction charges
Open an Account
To avoid disruptions with your account, please notify us when you'll be traveling outside Washington or Oregon.
Send a message now.