Prescott Federal Credit Union
Checking Accounts
Spend and Save With Confidence
Meet your new favorite account! Our no-hassle checking offers friendly features that make managing your money easier than ever.
- No monthly maintenance fees
- No minimum balance required
- Free Visa® debit card
- Optional overdraft protection
- 24/7 free <<online banking>>
Opening your new checking account is simple – just call or stop by our branch today.
Teach your kids how to spend responsibly too!
Ask about our youth checking accounts – they are a great way to give teens and kids more financial freedom while helping them learn how to manage their money.
- Comes with a free debit card
- No minimum age requirement
- Parent is the joint account holder
- Monitor spending with free online banking
Compare overdraft protection options
We get it – life happens. If you ever spend more than you have in your checking account, we have options to keep you covered. Ask our team what’s best for you!
| Overdraft line of credit | Courtesy pay coverage | Linked savings account | |
|---|---|---|---|
| What is it | Line of credit connected directly to your checking account. Save on overdraft charges and have the convenience of a small loan when you need cash. | If you don’t have a line of credit or enough in your savings account, we can cover your overdraft. This is an optional service available for most checking accounts. | If you overspend, we can automatically transfer funds from your savings account to your checking account for free. |
| Eligibility | Must meet credit requirements | Available after 60 days for new accounts | Automatic setup for eligible accounts |
| Fees | Interest charges may apply; no added fees | $28 per transaction (max 4 per day) | $0 (if funds are available in savings) |
| Credit check required | Yes | No | No |
| Overdraft limit | Varies based on credit approval | Up to $400 (including fees) | Limited to available savings balance |
| Repayment terms | Interest charged only on amount used | Must bring account current within 30 days | No repayment required |
| Ideal for | Frequent overdraft users | Occasional overdraft situations | Those with sufficient savings |
Explore More
Discover the local difference at Prescott Federal Credit Union
We’re your local, not-for-profit financial cooperative, serving military veterans and their families, federal employees and their families, and Embry-Riddle staff and students and their families. Learn more about our mission and become a member.
Join us
Experience the difference of a financial institution that truly put you first.
