At Picatinny Federal Credit Union, checking accounts are always free — no minimum balances, no hidden fees, just easy access to your money.+
Picatinny
Basic Checking
Open a Picatinny Federal Credit Union Checking Account today and take advantage of:
- $250* cash reward when you set up direct deposit
- Online banking and mobile app so you can deposit checks, pay bills, check your credit score, transfer funds, and access your money any time from any device
- Zelle® for a fast, easy, and safe way to send money
- Access cards to guard you from debit and credit card fraud, overspending, and more
- Customizable debit card issued the day you open the account
- Access to 55,000+ surcharge-free ATMs worldwide
- Security knowing your money is federally insured through the National Credit Union Administration (NCUA)
Picatinny
Break Through Checking
(Age 16-25)
Picatinny Federal Credit Union is here to help you navigate all stages of life. We created our Break Through Checking account to help college students and young professionals lay a foundation of financial stability — and crush your goals!
When you open a Break Through Checking account you’ll get all the benefits of our Checking account, plus:
- Up to $50* in matching funds to jump start your savings goals
- 10 free out-of-network ATM transactions per month++
- Two overdraft fees waived per year (up to $70 savings) because we understand that mistakes happen.
- Personalized service from our experienced and friendly staff to help you take charge of your financial future
Picatinny
Checking Debit Card
When you open a Checking Account at any Picatinny Federal Credit Union branch, you will receive your debit card the same day. No more waiting for one to arrive in the mail. If you lose your card, we can replace it same-day, too!
You can even show off your personality by customizing your debit card with a photo or choosing one of our existing designs.
And when it comes to security, rest easy knowing that all Picatinny Federal Credit Union debit cards come with Visa’s Zero Liability Policy, which guarantees that you will not be held responsible for fraudulent charges made using your card.
New member perks
New and current members will receive a $250 cash reward* when you open a free checking account with direct deposit.
Refer-a-friend
Refer a friend and get rewarded! When you tell your friends or family about the benefits of a Picatinny Federal Credit Union membership and checking account – you will receive $75* and they will receive $250*!
*To qualify for the $75 Cash Reward a new member must open a new checking account and initiate a direct deposit of at least $500 a month from an employer, social security or pension into the account. The first Direct Deposit must be initiated within the first 60 days of account opening. Must also open a savings account with a minimum deposit of $5 to qualify for this offer. The $75 Cash Reward will be deposited into the referring members savings account upon receipt of initial direct deposit payment. The $250 Cash Reward will be deposited into the new members savings account upon receipt of initial direct deposit payment. Accounts must remain open for 6 months. Offer subject to approval. All offers and terms are subject to change at any time. Exclusive offer for new PFCU members only. Cash reward is considered interest and will be reported on IRS form 1099-INT. Cannot be combined with any other offers or promotions.
Picatinny
Youth Banking Accounts
We are here to help you thrive at every stage of life. For our youngest members we offer accounts customized to their needs. Find out more about our Youth Accounts — including multiple options for teens!
Account Disclosures & Privacy Policy:
PFCU Privacy Policy: Download
Federally insured by NCUA. New members must open a Savings Account with a minimum deposit of $5.
Break Through Account: *To qualify for the matching cash reward, you must open a savings account with a minimum deposit of $5. Picatinny Federal Credit Union (PFCU) will match up to $50 of your initial deposit. The matching cash reward will be credited to the new savings account immediately, but will be held for a period of 60 days. The account must remain open for a minimum of 60 days to receive the offer. Cash reward is considered interest and will be reported on IRS form 1099-INT. Contact PFCU for details.
+ Free for any new members requesting a debit card at the point of account opening and for current members that have been notified that their debit card has been deactivated due to fraudulent activity. All other replacement cards will be subject to a $10.00 fee. PFCU reserves the right to reject any image submitted, for the instant issue debit card, for any reason. ++Other financial institution surcharges may apply to ATM transactions. Offer is subject to approval. All offers, terms and conditions are subject to change at any time. Exclusive offer for new Break Through Account only; must be 16-25 years old to qualify for the account. Cash reward is considered interest and will be reported on IRS form 1099-INT. Contact PFCU for details.
*To qualify for the matching cash reward, you must open a savings account with a minimum deposit of $5. Picatinny Federal Credit Union (PFCU) will match up to $50 of your initial deposit. The matching cash reward will be credited to the new account immediately, but will be held for a period of 60 days. The account must remain open for a minimum of 60 days to receive the offer. Cash reward is considered interest and will be reported on IRS form 1099-INT. Contact PFCU for details.
+Free for any new members requesting a debit card at the point of account opening and for current members that have been notified that their debit card has been deactivated due to fraudulent activity. All other replacement cards will be subject to a $10.00 fee. PFCU reserves the right to reject any image submitted, for the instant issue debit card, for any reason.
++Other financial institution surcharges may apply to ATM transactions. Offer is subject to approval. All offers, terms and conditions are subject to change at any time. Exclusive offer for new Break Through Account only; must be 16-25 years old to qualify for the account. Cash reward is considered interest and will be reported on IRS form 1099-INT. Contact PFCU for details.
+eStatements are available in online banking free of charge. Members who use online banking and choose to receive a paper statement, will incur a $5.00 monthly statement fee. Cannot be combined with any other offers or promotions.
+eStatements are available in online banking free of charge. Members who use online banking and choose to receive a paper statement, will incur a $5.00 monthly statement fee.
Refer-a-Friend: *To qualify for the $75 Cash Reward a new member must open a new checking account and initiate a direct deposit of at least $500 a month from an employer, social security or pension into the account. The first Direct Deposit must be initiated within the first 60 days of account opening. Must also open a savings account with a minimum deposit of $5 to qualify for this offer. The $75 Cash Reward will be deposited into the referring members savings account upon receipt of initial direct deposit payment. The $250 Cash Reward will be deposited into the new members savings account upon receipt of initial direct deposit payment. Accounts must remain open for 6 months. Offer subject to approval. All offers and terms are subject to change at any time. Exclusive offer for new PFCU members only. Cash reward is considered interest and will be reported on IRS form 1099-INT. Cannot be combined with any other offers or promotions.
New Member Perk: New members must open a Savings Account with a minimum deposit of $5. *To qualify for the $250 cash reward, you must open a new Checking Account and initiate a repeating Direct Deposit of at least $500 a month from an employer, social security, or pension into the account. Direct Deposit must be initiated within the 60 days of account opening. The $250 Cash Reward will be deposited into the Savings Account within the first 90 days of account opening. Checking account must remain open for 6 months. Offer subject to approval by Credit Union. Cash Reward is considered interest and will be reported on IRS form 1099-INT. eStatements are available in online banking free of charge. Members who use online banking and choose to receive a paper statement will incur a $5.00 monthly statement fee.
A $10.00 fee applies to all instant issue debit cards. However, this service is free for any new members requesting a debit card at the point of account opening and for current members that have been notified that their debit card has been deactivated due to fraudulent activity. Picatinny Federal Credit Union reserves the right to reject any image submitted in our sole and absolute discretion, for any reason. Please read Personalized Debit Card Disclosures for more information.
