Checking Accounts

What Account Should You Choose?

Fresh Start Account The Bachelors Account The Doctorate Account
Monthly Fee: $10 No Monthly Fee Monthly Fee: $5
This is a Non-interest bearing account with no minimum balance. It includes online banking and online bill pay along with mandatory direct deposit. It's a great basic checking account, designed for the needs of young adults, students, or for the member who likes to keep things simple. This account offers lots of extras! Excellent choice for members wanting more value from a checking account.
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Masters Account Senior Masters Account Club-Sole Proprietor Account
No Monthly Fee No Monthly Fee Monthly Fee: $8
If you want to keep things simple and earn dividends at the same time, this is the checking account for you. If you’re 60 or over, you will enjoy all the benefits of this account tailored especially for you. We recognize that you may own your own small business or have a need for a club account.  This account is designed for Sole-Proprietors and Clubs only.
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All of our Checking Accounts (except the Fresh Start Account and Money Market Account) feature the following:

  • No 2PM Cutoff
  • No Minimum Balance
  • No Per Check Charges
  • Minimum Opening Deposit $25.00
  • 24 Hour ATM Access on CO-OP, ACCEL or CIRRUS Network
  • Access to a Network of Surcharge Free ATM's across the state and country through the CO-OP network.
  • Free VISA Check Card and Point of Sale Transactions
  • Free Overdraft Protection - If desired these funds may be transferred from a share account if adequate balances are maintained, OR may be transferred from a line of credit for qualified members.
  • Direct Deposit 
  • Federally Insured Deposits up to $250,000 through NCUA
  • Free Services Internet Banking, E-Statements, Bill Pay, and MoneyLine 24 Audio Response System
  • VIPee Dee Fee Structure

Fresh Start Account

This is a Non-interest bearing account with no minimum balance. It includes online banking and online bill pay along with mandatory direct deposit.

  • Monthly Fee $10

The Bachelors Account

Free checking with no strings attached. It's a great basic checking account, designed for the needs of young adults, students, or for the member who likes to keep things simple.

  • Minimum Opening Deposit  $25.00
  • No Per Check Charges
  • No Monthly Service Charge
  • Non-Interest Bearing Account
  • Unlimited Point of Sale and Visa Check Card Transactions
  • Access to Overdraft Privilege
  • Access to Overdraft Protection, Online Banking and BillPay

The Doctorate Account

This account offers lots of extras! Excellent choice for members wanting more value from a checking account.

  • Minimum Opening Deposit $25.00
  • One (1) Box of Free Checks per Year-Basic Style
  • No Per check Charges
  • Earns Dividends(Interest) 
  • Your checking account will earn dividend on ALL balances. Dividend rate subject to change due to market conditions
  • Free Notary Service  
  • Unlimited Point of Sale and VISA Check Card transactions
  • Access to Overdraft Privilege
  • Access to Overdraft Protection, E-statements, Online Banking and BillPay
  • Monthly Service Fee of $5.00.

Masters Account

If you want to keep things simple and earn dividends at the same time, this may be the checking account for you.

  • Minimum Opening Deposit $25.00
  • No Per Check Charges
  • No Monthly Service Charge
  • Earns Dividends (Interest) 
  • Your checking account will earn interest on ALL balances. Interest rate subject to change due to market conditions
  • Unlimited Point of Sale and VISA Check Card transactions
  • Access to Overdraft Privilege
  • Access to Overdraft Protection, E-Statements, Online Banking and BillPay

Senior Masters Account

If you’re 60 or over, you will enjoy all the benefits of this account tailored especially for you.

  • Minimum Opening Deposit $25
  • One (1) Box of Free Checks per Year-Basic Style
  • No Per Check Charges
  • No Monthly Service Charge
  • Earns Dividends (Interest)
  • Free Money Orders-Limit 5 per Month
  • Free Notary Service
  • Unlimited Point of Sale and Visa Check Card Transactions.
  • Access to Overdraft Privilege
  • Access to Overdraft Protection, E-Statements, Online Banking and Bill Pay.

Club-Sole Proprietor Account

We recognize that you may own your own small business or have a need for a club account.  This account is designed for Sole-Proprietors and Clubs only.

  • Minimum Opening Deposit $25
  • Non-Interest Bearing Account
  • Monthly Service Charge $8
  • No ODP (Overdraft Privilege)
  • No Minimum Balance 

VISA CHECK/ATM CARDS

The VISA Check Card provides additional convenience for members with a PDFCU Checking Account. It looks like a credit card but works just like a personal check anywhere VISA is accepted. You never receive a bill to pay; the funds are deducted from your checking account. Your VISA Check Card also doubles as your VISA CUMONEY CARD. ATM cards can be used at virtually any ATM or thousands of retail locations nationwide.


Lost or Stolen Cards

ATM/VISA Debit Card
To report a lost or stolen ATM/VISA Debit Card call 1-800-472-3272
VISA Credit Card
To report a lost or solen VISA Credit Card call 1-888-361-4283