Personal Checking Accounts in Rhode Island

Every new personal checking account includes:

  • Free Instant Issue Mastercard® ATM/Debit Card
  • Free Online Banking and Free Bill Pay
  • Free Mobile Banking and Free Mobile Check Deposit with mobile banking
  • Free electronic statements with free check images
  • Free ATM Transactions within Networks

Here to Help

Not sure which checking account is right for you? Get started here. 

0% Complete

Question #1

To earn a higher rate of interest, will you always keep more than $1,500 in your checking account?

Max Yield Checking

An account for those interested in higher interest!

  • Higher interest rate with a balance of $1,500 or more
  • FREE check images returned in statements
  • Competitive interest rate if balance falls below $1,500
  • No monthly service charge if $1,500 minimum balance is maintained
  • FREE personalized checks
Open Account

Question #2

Does anyone plan to have direct deposit with this account?

myDirect Interest Checking

An account that earns interest with the convenience of direct deposit!

  • Competitive interest
  • No minimum balance
  • No monthly service charge with direct deposit
  • FREE starter checks
Open Account

Question #3

Will there be anyone 50 years or over signing on this account?

myPrime Checking

A perfect account for members 50 and over!

  • FREE check images returned in statements
  • No minimum balance
  • No monthly service charge
  • FREE personalized checks
Open Account

myFree Checking

A FREE account for everyone!

  • No minimum balance
  • No monthly service charge
  • FREE starter checks
Open Account

Account Options

myFree Checking

A free account for everyone!

  • No minimum balance
  • No monthly service charge
  • Free starter checks

Max Yield Checking

An account for those interested in higher interest!

  • Higher interest rate with a balance of $1,500 or more
  • Competitive interest rate if balance falls below $1,500
  • No monthly service charge if $1,500 minimum balance is maintained
  • Free personalized checks

myDirect Interest Checking

An account that earns interest with the convenience of direct deposit!

  • Competitive interest
  • No minimum balance
  • No monthly service charge with direct deposit
  • Free starter checks

myPrime Checking

A perfect account for members 50 and older!

  • No minimum balance
  • No monthly service charge
  • Free personalized checks

Student Checking

A great first checking account for a student or adult under 24!

  • No minimum balance
  • No monthly service charge
  • ATM surcharges rebated up to $15 per statement cycle
  • Next day forgiveness, if your account is overdrawn
  • Reduced fees for non-sufficient funds, should they apply

Still Undecided? Start Here.

0% Complete

Question #1

To earn a higher rate of interest, will you always keep more than $1,500 in your checking account?

Max Yield Checking

An account for those interested in higher interest!

  • Higher interest rate with a balance of $1,500 or more
  • FREE check images returned in statements
  • Competitive interest rate if balance falls below $1,500
  • No monthly service charge if $1,500 minimum balance is maintained
  • FREE personalized checks
Open Account

Question #2

Does anyone plan to have direct deposit with this account?

myDirect Interest Checking

An account that earns interest with the convenience of direct deposit!

  • Competitive interest
  • No minimum balance
  • No monthly service charge with direct deposit
  • FREE starter checks
Open Account

Question #3

Will there be anyone 50 years or over signing on this account?

myPrime Checking

A perfect account for members 50 and over!

  • FREE check images returned in statements
  • No minimum balance
  • No monthly service charge
  • FREE personalized checks
Open Account

myFree Checking

A FREE account for everyone!

  • No minimum balance
  • No monthly service charge
  • FREE starter checks
Open Account

Question #1

To earn a higher rate of interest, will you always keep more than $1,500 in your checking account?

Max Yield Checking

An account for those interested in higher interest!

  • Higher interest rate with a balance of $1,500 or more
  • FREE check images returned in statements
  • Competitive interest rate if balance falls below $1,500
  • No monthly service charge if $1,500 minimum balance is maintained
  • FREE personalized checks
Open Account

Question #2

Does anyone plan to have direct deposit with this account?

myDirect Interest Checking

An account that earns interest with the convenience of direct deposit!

  • Competitive interest
  • No minimum balance
  • No monthly service charge with direct deposit
  • FREE starter checks
Open Account

Question #3

Will there be anyone 50 years or over signing on this account?

myPrime Checking

A perfect account for members 50 and over!

  • FREE check images returned in statements
  • No minimum balance
  • No monthly service charge
  • FREE personalized checks
Open Account

myFree Checking

A FREE account for everyone!

  • No minimum balance
  • No monthly service charge
  • FREE starter checks
Open Account

Rates

Active as of 09.25.2022

Personal Checking Accounts

ProductMinimum to OpenMinimum Daily
Balance to Earn APY
APY*How to Open
myFree Checking$25.00n/an/aOpen Now
myPrime Checking$25.00n/an/aOpen Now
Max Yield Checking**$25.00$1,500.00.10%Open Now
$0.01.05%
myDirect Interest Checking***$25.00$0.01.05%Open Now
Student Checking$25.00n/an/aOpen Now
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Helpful Resources

At People’s Credit Union, we are passionate about providing resources, information, and solutions to help you get ahead.

Frequently Asked Questions

What can we help you with today? 

People’s Credit Union’s Routing number/ABA number is 211573151 and it can also be found at the bottom of our website. Our routing number is the same for ACH transfers, checks, and wires.

You can view your account balance/s by signing into your online banking profile through our website or through the PCU mobile app. To view account activity, click on the desired account to view recent activity. You can filter by date range to see previous activity.

If you are an existing member, you can open an additional deposit account through your online banking profile. Once you log in navigate to the Open an Account tab and follow the flow to complete the account opening process. Your new account can be funded with either an existing People’s Account or a linked external account.

Within the PCU mobile app, you would select the “Deposit a Check” option. Once you have read the notices, you would select an account to which the check would be deposited and input the check amount. You would then take a picture of the front and back of the check in a well-lit environment, ideally with a dark background, as directed on the screen. The check must include “Mobile Deposit to PCU” under the endorsement to be accepted for deposit.

Once submitted, you will receive an email indicating that the check was received. Please retain the check for 30 days. Mobile deposited checks are manually reviewed and may be rejected upon review. If rejected, you will receive an email with the reason the deposit was not successful.