Personal/Personal Checking Accounts in RI, MA, & CT
Every new personal checking account includes:
- 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.
Account Options
Student Checking
A great first checking account for a student or adult under 24!
- No monthly service charge
- ATM surcharges rebated up to $15 per statement cycle
- Next day forgiveness, if your account is overdrawn
- Reduced fees for non-sufficient funds, should they apply
myFree Checking
A free account for everyone!
- No monthly service charge
- Free starter checks
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
Max Yield Checking
An account for those interested in higher interest!
- Higher interest rate with a balance of $1,500 or more
- Competitive interest rate if balance falls below $1,500
- No monthly service charge if $1,500 minimum balance is maintained
- Free personalized checks
Still Undecided? Start Here.
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Question #1
To earn a higher rate of interest, will you always keep more than $1,500 in your checking account?
Max Yield Checking
An account for those interested in higher interest!
- Higher interest rate with a balance of $1,500 or more
- FREE check images returned in statements
- Competitive interest rate if balance falls below $1,500
- No monthly service charge if $1,500 minimum balance is maintained
- FREEpersonalized checks
Open Account
Question #2
Does anyone plan to have direct deposit with this account?
myDirect Interest Checking
An account that earns interest with the convenience of direct deposit!
- Competitive interest
- No minimum balance
- No monthly service charge with direct deposit
- FREEstarter checks
Open Account
Question #3
Will there be anyone 50 years or over signing on this account?
myPrime Checking
A perfect account for members 50 and over!
- FREE check images returned in statements
- No minimum balance
- No monthly service charge
- FREEpersonalized checks
Open Account
myFree Checking
A FREE account for everyone!
- No minimum balance
- No monthly service charge
- FREEstarter checks
Open Account
Rates
Active as of 06.07.2024
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 |
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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.
Rate Reduction Mortgage
Reduce Your Rate with Just a Call When Rates Go Down.
For purchases or refinance.
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Related Products
Online Banking/Mobile App
Debit Card
Overdraft Protection
CardUpdater
Your Digital Wallet
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Helpful Resources
At People’s Credit Union, we are passionate about providing resources, information, and solutions to help you get ahead.
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 endorsem*nt 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.
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