Smiling woman looking at someone with a form on a desk
fern

Checking

An account that fits your needs, whatever your life story may be.

Our members aren’t all the same—that’s why our Vista Checking Account isn’t one-size-fits-all. Choose between three different levels of benefits, and when you meet just two simple requirements each month, receive an incredible 1.25% APR* and up to $15 in ATM fee refunds per month. Which account is right for you?

Compare Your Options

  • Best if you want

    Best if you want

  • Monthly and maintenance fees

    (if you receive eStatements**)

    Monthly and maintenance fees

    (if you receive eStatements**)

  • Minimum balance

    Minimum balance

  • Dividend rate

    (if you meet our simple monthly requirements**)

    Dividend rate

    (if you meet our simple monthly requirements**)

  •  APY

     APY

  • ATM fee reimbursement

    (if you meet our simple monthly requirements**)

    ATM fee reimbursement

    (if you meet our simple monthly requirements**)

  • eStatements

    eStatements

  • Bill Pay access

    Bill Pay access

  • Online and mobile banking

    Online and mobile banking

  • Dividends**

    Dividends**

  • Free debit card

    Free debit card

  • Discounts at local retailers

    Discounts at local retailers

  • Three free teller checks a month

    Three free teller checks a month

  • Free coin counting

    Free coin counting

  • 50% off safe deposit boxes

    50% off safe deposit boxes

  • One box of free checks a year

    One box of free checks a year

  • PCU Perks

    Hearing, vision and pharmacy savings, ID theft aid, cell phone protection, travel accidental death coverage, 24 hour emergency roadside assistance

    PCU Perks

    Hearing, vision and pharmacy savings, ID theft aid, cell phone protection, travel accidental death coverage, 24 hour emergency roadside assistance

Vista Basic

 

  • Best if you want

    A simple and easy checking account.

  • Monthly and maintenance fees

    (if you receive eStatements**)

    Free

    ($3.00 monthly fee if you opt out of eStatements)

  • Minimum balance

    $0

  • Dividend rate

    (if you meet our simple monthly requirements**)

    1.24%

  •  APY

    1.25%

  • ATM fee reimbursement

    (if you meet our simple monthly requirements**)

  • eStatements

  • Bill Pay access

  • Online and mobile banking

  • Dividends**

  • Free debit card

  • Discounts at local retailers

  • Three free teller checks a month

  • Free coin counting

  • 50% off safe deposit boxes

  • One box of free checks a year

  • PCU Perks

    Hearing, vision and pharmacy savings, ID theft aid, cell phone protection, travel accidental death coverage, 24 hour emergency roadside assistance

Vista Plus

 

  • Best if you want

    A checking account with free access to additional banking services.

  • Monthly and maintenance fees

    (if you receive eStatements**)

    $3/month

    ($6.00 monthly fee if you opt out of eStatements)

  • Minimum balance

    $0

  • Dividend rate

    (if you meet our simple monthly requirements**)

    1.24%

  •  APY

    1.25%

  • ATM fee reimbursement

    (if you meet our simple monthly requirements**)

  • eStatements

  • Bill Pay access

  • Online and mobile banking

  • Dividends**

  • Free debit card

  • Discounts at local retailers

  • Three free teller checks a month

  • Free coin counting

  • 50% off safe deposit boxes

  • One box of free checks a year

  • PCU Perks

    Hearing, vision and pharmacy savings, ID theft aid, cell phone protection, travel accidental death coverage, 24 hour emergency roadside assistance

Vista Premier

 

  • Best if you want

    A checking account that offers a wide range of perks and savings.

  • Monthly and maintenance fees

    (if you receive eStatements**)

    $6/month

    ($9.00 monthly fee if you opt out of eStatements)

  • Minimum balance

    $0

  • Dividend rate

    (if you meet our simple monthly requirements**)

    1.24%

  •  APY

    1.25%

  • ATM fee reimbursement

    (if you meet our simple monthly requirements**)

  • eStatements

  • Bill Pay access

  • Online and mobile banking

  • Dividends**

  • Free debit card

  • Discounts at local retailers

  • Three free teller checks a month

  • Free coin counting

  • 50% off safe deposit boxes

  • One box of free checks a year

  • PCU Perks

    Hearing, vision and pharmacy savings, ID theft aid, cell phone protection, travel accidental death coverage, 24 hour emergency roadside assistance

All three levels of Vista checking offer:

No minimum balance

Free debit card

Free online and mobile banking

Overdraft protection available

log

Searching For a New Place

“I wanted to change where I did my banking, so I asked my friends on social media where I should bank. Many friends told me to go to Peninsula Credit Union. I walked in, the staff were nice and helpful, and I walked out with checking and savings accounts. I am excited for this new relationship! ”

Life Happened

“Life happened, and I was not happy with where my finances were. I was reluctant for change, but I knew something had to change. So I visited Peninsula. They asked about my current needs, and the next thing I knew I was approved for a Renew Checking account. But the really cool part is we started talking about my future goals. ”

Above and Beyond

“I’d just received my last paycheck from a job I lost after an injury, and I was told that Peninsula could help me! So with my last paycheck I opened a new checking account. They cashed my check without charging me a huge fee. I really feel like they went above and beyond to help me at that time. ”

Helpful Details

Simple Requirements

You can reduce your monthly fee, get an incredible 1.25% APY dividend rate, and up to $15 in ATM fee refunds by completing two simple requirements.**

Each month, simply:

  • Make at least 15 purchase transactions of at least $5 each using your Peninsula debit card
  • Receive eStatements

It’s that simple!

Peninsula Debit Cards

You’ll receive a free debit card with your Vista Checking account, and here are some basics to help you get the most out of your card and keep your account secure:

To activate your card, simply call 866.985.2273 from the home phone number listed on your account. The system agent will verify that the phone number that you are calling from matches up with the one you have previously provided.***

To select a PIN number, call 866.985.2273 from the home phone number listed on your account and follow the prompts to set your PIN to a new 4 digit number of your choice. Or stay on the line after you activate your card (see step above).

To sign up for debit card alerts, click here. Receive a text or email when your card is used, and set custom alerts to help keep your account secure.

If your debit card has been lost or stolen, or if your account seems to be reflecting purchases/transactions not made by you, it’s important that you immediately contact Peninsula Credit Union. Call us at 800.426.1601. After hours, the automated attendant will walk you through how to reach our fraud detection service.

PLANNING TO TRAVEL?

Call us at 800.426.1601 to ensure we have your updated contact information. If your card is put on hold, our fraud monitoring group will attempt to contact you by phone. That is why it is important that we have your best contact telephone numbers.

Please keep these numbers handy in case a block is placed on your card while you are away:

888.918.7313 (within the U.S.)
727.299.2449 (request international collect)
727.540.9434 (international after hours for lost or stolen cards)

Please note, we cannot text or email with you regarding these holds.

Sign up for eStatements

To lower your monthly fee and meet our simple requirements for an incredible dividend rate on your checking account, sign up for eStatements. eStatements are more secure than paper statements, and are available anytime via online banking.

Login to Online Banking to sign up

PCU Perks

Our Vista Plus and Premier checking accounts provide you with a range of perks, including discounts at local businesses, 24-hour roadside assistance, ID theft aid, and pharmacy, vision and hearing savings. See the comparison chart above for a list of perks provided with Plus and Premier. Call us at 800.426.1601 for more information.

Direct Deposit

Get your paychecks, social security checks or other payments deposited directly into your account. It’s free, safe, easy and green.

Learn more

Order Checks

Reorder your checks online from Legacy checks on the Mainstreet website. All it takes is a couple of clicks to order your next set of clicks, and you can do it anytime, day or night.

Order checks now

FAQs and Tips

We offer options for those members who don’t believe they would normally qualify for a traditional checking account. Please call us at 800.426.1601 or visit your nearest branch to talk about your options for a fresh start.
Yes! In fact, our members swipe their cards an average of 45 times a month.
The monthly fee is associated with the benefits that come with the Plus and Premium accounts, such as half-off a safe deposit box rental, free cashier’s checks, and a box of free checks a year. We also charge a $3.00 monthly maintenance fee for the regular maintenance we perform on every checking account, such as sending out monthly statements and tax documents, posting direct deposits and automatic withdrawals, and other routine tasks necessary to keep your account running. We waive the monthly maintenance fee if you simply sign up for electronic statements.

MONEY MINUTE TIP - Debit or Credit?

Have you ever wondered what the difference is when the store clerk asks “Debit or Credit?”

When you choose debit, you enter your PIN, Money for the transaction comes out of your account immediately. And many merchants allow you to get cash back at the register.

When you select Credit however, you sign a receipt. A hold is put on your money for the transaction amount which usually goes away in a day or two. And normally you can’t get cash back when you select credit.

One last thing to remember, when you say “credit” when using your debit card, it is not the same thing as using a credit card. Your debit card is tied to your checking account, which is your money. A Credit card is a line of credit, meaning your institution is lending you the money, and you will have to pay it back.


Ready to open a Peninsula checking account?

Stop by one of our branches
Closest branch
Call us
800.426.1601
Learn more about becoming a member
Join us

Disclosures

*APR = Annual Percentage Yield

**DIVIDENDS are not paid on checking accounts with the exception of the Vista Checking Account as described below.

With Vista Checking you receive 1.25% APY on your account with no minimum balance and unlimited free ATM use nationwide just by doing the following three things monthly: 1) Use e-statements 2) Log onto your Vista account online 3) Use your debit card a minimum of 15 transactions per monthly statement cycle – minimum dollar amount of qualifying debit transaction: $5 (five dollars).

***If the phone number you’re calling from matches the number we have on record for your, the card will be activated. If you are calling from a different phone number than what is on your account, you will need to provide the last 4 digits of your Social Security number for verification.

You are about to navigate away from Peninsula CU FCU’s website. Clicking on the link will take you to another website that is not operated by Peninsula Credit Union. PCFCU is not responsible for the content of the third-party website or transactions between our members and the third-party website. The privacy & security policies of the third-party website may differ from Peninsula Credit Union’s practices.

Cancel Accept