If you like a little more cash in your checking, you belong here.
Every Personal Checking Account Includes Free
Instant Issue
Debit Card
Online Banking
and Bill Pay
Mobile Banking and
Mobile Check Deposit
Electronic Statements
with Check Images
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.
Account Options
myPrime Checking
A perfect account for members 50 and older!
- No monthly service charge
- Free personalized checks
myDirect Interest Checking
An account that earns interest with the convenience of direct deposit!
- Competitive interest
- No monthly service charge with direct deposit
- Free starter checks
*Membership and account approval required. Offer valid for new Peoples Credit Union members only and is limited to one per member household per year. To earn the $150 bonus, you must open a new myFree, myPrime or myDirect Interest checking account and have qualified direct deposits totaling $1,000 or more made to this account within 90 days of opening the account. Student Accounts are not eligible for this special bonus offer. Your direct deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government.
Deposits that DO NOT QUALIFY are transfers from one account to another, mobile deposits, Real-Time Payments through the (RTP) network, Person to Person payments such as Zelle, PayPal, and Venmo, or deposits made at a branch or ATM are not considered a qualifying direct deposit. For accounts that meet bonus requirements, the $150 bonus will be paid within 90 days after meeting the qualifying activities. To receive the bonus, the new account must not be closed or restricted at the time of the payout. Offer expires 07.30.2025. This offer cannot be used in combination with any other consumer checking offer. However, the offer may be discontinued or changed without notice at any time prior to the expiration date. For tax purposes, you may receive a Form 1099-INT from us for the cash bonus. Insured by NCUA.
Rates
Active as of 05.17.2025
Personal Checking Accounts
| 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*
**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.
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.
Related Products
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.
