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Checking Accounts

Eligible for membership?
Looking for a better place for your financial future?

Police FCU Checking Accounts

We offer different checking accounts to help you choose the one to best meet your financial needs.

Benefits Plus® Checking

Perfect if you are looking to get more out of your checking account.

As a Benefits Plus® Member you are entitled to an exclusive program that allows you and your family to save money on products and services you use every day.In short, this is the only checking account that can actually make your life better because of the discounts and benefits that Benefits Plus has to offer.

Join Police FCU Today

· Earn a premium dividend rate on your account balance

· No minimum deposit to open the account

· No monthly minimum balance1

· Discounts on every day purchases as well as dining, entertainment and travel

· Discounted rates on eligible loans

· Free Visa® debit card with ScoreCard Debit Rewards

· Free overdraft protection from a savings account 2

· Overdraft protection options

· Free Home Banking and mobile banking,3 including mobile deposit

· Free online Bill Payment with 3 or more payments each month

· Free eStatements

· Free transactions at over 30,000 ATMs nationwide4

· Free transactions at over 5,000 share branch locations nationwide4

See the many benefits of having a Benefits Plus® Checking by becoming a member today.

Don’t forget to set up your direct deposit with us! 

Membership Benefits:

Premium Dividend Rate and Discounts On Eligible Loans

Travel Services
Benefits Plus® offers the guaranteed lowest rates (even including Internet rates and “specials”), plus discounts and Cash Back Reward.

Consumer Protection Services
Enjoy peace of mind knowing your personal information and purchases are safe and secure.

Retail Stores & Gifts
Benefits Plus® will help you get more for less with substantial savings at many of the best stores in town!

Dining & Entertainment
With Benefits Plus® a night on the town can be less expensive than staying in. Save big with Online Gift Card Discounts, Dining Dough , CityPass® , Movie Ticket & Movie Rental Discounts, Attraction & Theme Park Discounts and Ski Lift Tickets.

Family Benefits
You can treat the family to discounts and savings on products and services they use every day! Offers include: Grocery Coupon Club, Student Grant Locator Service, 24-Hour Emergency Road Service and Pet Health Insurance.

Health Services Savings
Receive special pricing and valuable health services discounts from some of the most trusted names in health care today! Offers include: Group Dental Discount Plan – including orthodontic discounts, Prescription Discounts, Vision Care Discounts, Eyewear and Contact Lens Savings and Hearing Care and Hearing Aid Discounts.

Local Restaurant & Merchant Participation
Simply present your membership card at local restaurants and merchants and receive special discounts on valuable services right at home!

Cash Back Rewards
Announcing our new, improved, and more robust Cash Back Rewards Program. Benefits Plus® has partnered with a Our new Cash Back Program offers:
• Cash Back Rewards at over 3,000 online merchants!
• Exceptional special offers available including daily deals, free shipping, and more!
• Simple one-step Login with current credentials!
• No enrollment process to register your credit cards!
• Members can customize their shopping experience by creating their own personalized Shopping Mall!

Disclosures

1. There is a $4.95 maintenance fee after the 90 day trial period.

2. Federal regulations limit the total number of electronic transfers from any non-transactional account – Share Savings, Clubs, or Money Market – to six (6) per account per month. This includes overdraft transfers, online transfers and cleared checks from a Money Market account. You can make an unlimited number of transfers and withdrawals through the mail, at an ATM, and in person at a branch. Transfers made to a Police FCU loan account are not included in the limitation of six (6)  per account per month. For additional information, refer to Police FCU’s Schedule of Fees and Membership and Account Agreement.

3. Mobile Banking Disclosure – Mobile Banking services are free to all Police FCU members. Your carrier’s message and data rates may apply. Other Mobile Deposit restrictions may apply.

4. Restrictions apply. See Schedule of Fees for details.

Basic Checking

A solid checking that offers everything you need.

No hassles.  No hidden charges.  No hidden fees.

Join Police FCU Today

· Earn dividends on your account balance

· No monthly fee or service charges

· No minimum deposit to open the account

· No monthly minimum balance

· Free Visa® debit card with ScoreCard Debit Rewards

· Free overdraft protection from a savings account 1

· Overdraft protection options

· Free Home Banking and mobile banking,2 including mobile deposit

· Free online Bill Payment with 3 or more payments each month

· Free eStatements

· Free transactions at over 30,000 ATMs nationwide3

· Free transactions at over 5,000 share branch locations nationwide3

Disclosures

1. Federal regulations limit the total number of electronic transfers from any non-transactional account –Share Savings, Clubs, or Money Market – to six (6) per account per month. This includes overdraft transfers, online transfers and cleared checks from a Money Market account. You can make an unlimited number of transfers and withdrawals through the mail, at an ATM, and in person at a branch. Transfers made to a Police FCU loan account are not included in the limitation of six (6) per account per month. For additional information, refer to Police FCU’s Schedule of Fees and Membership and Account Agreement.

2. Mobile Banking Disclosure – Mobile Banking services are free to all Police FCU members. Your carrier’s message and data rates may apply. Other Mobile Deposit restrictions may apply.

3.Restrictions apply. See schedule of fees for details.

Cornerstone Checking

If you are looking to rebuild your financial health, Cornerstone Checking can help you with a minimal fee.

Join Police FCU Today

· Earn dividends on your account balance

· No monthly minimum balance1

· Free Visa® debit card with ScoreCard Debit Rewards

· Free overdraft protection from a savings account2

· Free Home Banking and mobile banking3, including mobile deposit

· Free online Bill Payment with 3 or more payments each month

· Free eStatements

· Free transactions at over 30,000 ATMs nationwide4

· Free transactions at over 5,000 share branch locations nationwide4

Disclosures

1. Minimum balance to open is $25.00, with a commitment to direct deposit at least $500.00 monthly. There is a $10.00 monthly maintenance fee.

2. Federal regulations limit the total number of electronic transfers from any non-transactional account – Share Savings, Clubs, or Money Market – to six (6) per account per month. This includes overdraft transfers, online transfers and cleared checks from a Money Market account. You can make an unlimited number of transfers and withdrawals through the mail, at an ATM, and in person at a branch. Transfers made to a Police FCU loan account are not included in the limitation of six (6) per account per month. For additional information, refer to Police FCU’s Schedule of Fees and Membership and Account Agreement.

3. Mobile Banking Disclosure – Mobile Banking services are free to all Police FCU members. Your carrier’s message and data rates may apply. Other Mobile Deposit restrictions may apply.

4. Restrictions apply. See schedule of fees for details.

Check out the benefits of accounts with Police FCU

Police FCU VISA® Check Card / ATM Card

Paperless Convenience brought to you by Police FCU

The Police FCU VISA® Check Card works as two cards in one. It works like a check providing a convenient, paperless, safe and easy method of paying for purchases, and also as an ATM card, allowing you to obtain cash at ATMs.

Don’t yet have one? Get yours today!
You can call, visit a Police FCU branch, or apply online today.

The Police FCU Visa® check card:

  • has no annual fee
  • has no monthly usage fees
  • has no interest or finance charges (as long as there are sufficient funds in your account)
  • can be used anywhere VISA® cards are accepted

Overdraft Protection

No More Bounced Checks. Protect Yourself, Protect Your Credit.

We recognize that at times your checking account might be overdrawn. If this should happen to you and you do not have sufficient funds in your checking account to cover drafts, debit card transactions or withdrawals, Police FCU’s, overdraft protection options have your back. We offer a few convenient options that can help you avoid the embarrassment of bouncing a check or having to pay merchant-returned check fees.

Your “peace of mind” overdraft protection options include:

Automatic transfers from your Savings Account

Checks and other items will be covered by available funds transferred from your savings account. There is a maximum of 6 transfers that can occur monthly without your signature.

Transfers from your Line-of-Credit

Checks and other items will be covered by available funds from your established line of credit. There’s no annual fee, no overdraft activation fee, nor are there any recurring overdraft transfer fees for accessing your line of credit account. There is a credit application needed for this account and the current interest rate is charged on amounts advanced.

We will not authorize and pay overdrafts for the following everyday transactions unless you tell us to do so.

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction(s) may be declined. Checks are paid from smallest to largest. To opt in for coverage on one time ATM and debit card transactions please complete the form below and mail or submit to the nearest branch.

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