Open a Student Checking account today!
- Free Instant Issue Mastercard® ATM/Debit Card, available in your Digital Wallet
- Free Online Banking and Free Bill Pay
- Free Mobile Banking and Free Mobile Check Deposit
- Free electronic statements with free check images
- Free ATM Transactions within Networks
DISCLOSURES
Minimum opening deposit is $25. The Credit Union will offer to buy back debit cards and check books from other financial institutions up to $10 for consumer and business accounts. We will be crediting members $2 per checkbook and $2 per debit card. Members will be capped at a $10 credit. Interest rates are subject to change without notice. Other fees may apply, see current fee schedule for details. See a Member Service Representative for further details. Account opening subject to approval.
Learn More About Student Checking
Student-Focused Banking Made Easy
A Student Checking account for members under the age of 24 who are looking to enjoy these basic checking and debit services:
- No monthly service fee & no minimum to waive the service fee.
- Next day forgiveness if you overdraw your account.
- ATM surcharges are rebated up to $15 per statement cycle.
- Reduced fees for non-sufficient funds.
Why We Love Student Checking
No Monthly Service Charge
Next-day Forgiveness, For Overdrawn Account
ATM Surcharges Rebated Up To $15 Per Statement Cycle
Reduced Fees For Non-Sufficient Funds
Compare Personal Checking Account Rates
| Product | Minimum to Open | Minimum Daily Balance to Earn APY | APY* | How to Open |
|---|---|---|---|---|
| myFree Checking | $25.00 | n/a | n/a | Open Now |
| myPrime Checking | $25.00 | n/a | n/a | Open 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 | $25.00 | n/a | n/a | Open Now |
DISCLOSURES*
Interest Rates are subject to change without notice after account opening.
**Must maintain a minimum daily balance of $1,500.00 to avoid the $15.00 monthly service charge and to obtain the disclosed Annual Percentage Yield (APY). Annual Percentage Yield (APY) subject to change without notice after account opening. Fees could reduce the earnings on selected accounts listed above.
***$10.00 monthly service charge without Direct Deposit. First direct deposit must occur within 30 days after account is opened. Must have an automatic direct deposit credited to the account at least once per month. Annual Percentage Yield (APY) subject to change without notice after account opening. Fees could reduce the earnings on selected accounts listed above.
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Frequently Asked Questions
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.
