Checking Accounts

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As part of our commitment to provide the very best checking products and services, we have changed how our checking accounts are structured. We will have one checking account with three different levels of benefits. These accounts will be structured as follows:

Click on any of the checking accounts below to learn more about that account’s features and benefits.

Vista Basic

Keeping it simple, and easy is what Vista Basic Checking is all about. Save time and maybe even a tree or two by doing things electronically. With online and mobile banking, electronic bill payment and eStatements, members may never have to go near their mailbox again!

Vista Basic is the our first checking account.  Peninsula Credit Union Members can receive an incredible 1.25% Annual Percentage Yield on their account with no minimum balance and up to $15.00 in ATM fees anywhere, just by doing two simple things monthly!

Benefits:

  • No minimum balance
  • No monthly fee
  • Free cash & check (debit) card
  • Free online banking
  • Overdraft protection available
  • eStatements
  • Bill Pay Access
  • Mobile Banking via the PCU Mobile App
  • Discounts at local retailers with PCU Perks App

Account Details

  • Must use PCU debit card a minimum of 15 purchase transactions per monthly statement cycle – minimum dollar amount of qualifying debit transaction: $5 (five dollars)
  • Receive eStatements monthly (member must sign up with a valid email address)
  • Vista Checking dividends are paid on the average daily balance up to 10,000 if account requirements are met.

Vista Basic Checking Rates

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

With Vista Basic 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).

Vista Basic Checking Questions and Answers

What happens if I do not meet the monthly requirements for Vista Basic Checking?
Premium dividends are not paid and ATM fees are not refunded for that statement cycle, a $1.00 fee will be charged for each ATM transaction at any ATM other than at a Peninsula Credit Union location.

Can the dividends change on my Vista Basic account?
Yes. The dividend rate can change.

Is there a cap on the amount I can earn dividends on?
Vista Basic Checking is paid on the average daily balance up to $10,000, if account requirements are met. Any part of a balance over $10,000.00 will not receive a dividend.

Do I have to do anything in order to get my ATM refund?
No. Upon meeting the monthly requirements, ATM refunds will automatically be posted to the account.

If my account balance goes negative, will I still be able to qualify for my rewards during that statement cycle?
Yes, if the requirements are met.

If I fail to meet the requirements during this statement cycle, can I still have a chance to qualify during the next statement cycle?
Yes, each month is viewed as a new requirement period.

What is the statement cycle for Vista Basic Checking?
For dividend and qualification calculation purposes, a month is defined as the last day of the month to the day before the last day of the next month.

If I use my Debit Card at an ATM, will that transaction count towards my requirements?
No. ATM/Cash withdrawals do not count towards this requirement. Only Debit Card point of sale (purchase) transactions count.

May I “carry forward” Debit Card transactions in excess of the required number to the next statement cycle?
No. Since there is no limit on the maximum number of transactions allowed, each month starts over the requirement cycle.

Must I access my e-Statement online in order to qualify for Vista Basic Checking?
No. You need only to sign up with a valid email address so we can we send you a notice when your statement is ready to be viewed. You do not have to login and access your statement.

Can I have a Vista Basic Checking account if I don’t own a computer?
Yes, as long as you have a valid e-mail account. Free e-mail accounts are available through several different web sites. Peninsula Credit Union provides free access to online accounts. Public libraries have internet access to help with this. Some free e-mail service companies are Gmail, Hotmail and Yahoo.

Is there a minimum balance requirement in order to receive my rewards?
The Credit Union does not require a minimum balance as long as the requirements are met. In order to receive the stated dividend rate, the average daily balance must be $0.01.

Is there a limit on the amount of ATM refunds that I can receive during a statement cycle?
Yes, as long as the requirements are met, all ATM transaction fees will be refunded up to $15.00 per month.

Can this be used as a business account?
No. This account is for consumer use only.

Does Vista Basic include free checks?
No, prices vary depending on the style you choose.

When are eStatements available?
Your eStatements are available the first of every month at http://www.bitstatement.org/pcfcu. You will receive a reminder e-mail when they are available, but you can review your statements at any time. In addition, your year end tax statements are stored there.

Are all of my debit transactions immediately sent to Peninsula Credit Union?
Your 15 debit transactions to qualify must have been posted to your account within the qualifying period. In the great majority of cases those transactions are almost an immediate event, however, in some instances the merchant or retailer may delay the submission of a transaction for a short time up to a few days. This is not an event that you or PCU can control, and as a result may affect the number of your transactions posted in a qualifying period.

Vista Plus

Vista Plus is the our next level of checking account.  Peninsula Credit Union Members can receive an incredible 1.25% Annual Percentage Yield on their account with no minimum balance and up to $15.00 in ATM fees anywhere, just by doing two simple things monthly!

Benefits:

  • No minimum balance
  • No monthly fee
  • Debit card
  • Free online banking
  • Overdraft protection available
  • Three free teller checks a month
  • Free Coin Counting
  • 50% off Safe Deposit Box rentals
  • One free box of checks per year
  • Plus all of the benefits from Vista Basic!

Account Details

  • Must use PCU debit card a minimum of 15 purchase transactions per monthly statement cycle – minimum dollar amount of qualifying debit transaction: $5 (five dollars)
  • Receive eStatements monthly (member must sign up with a valid email address)
  • Vista Checking dividends are paid on the average daily balance up to 10,000 if account requirements are met.

Vista Checking Rates

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).

Vista Plus Checking Questions and Answers

What happens if I do not meet the monthly requirements for Vista Plus Checking?
Premium dividends are not paid and ATM fees are not refunded for that statement cycle, a $1.00 fee will be charged for each ATM transaction at any ATM other than at a Peninsula Credit Union location.

Can the dividends change on my Vista Plus account?
Yes. The dividend rate can change.

Is there a cap on the amount I can earn dividends on?
Vista Plus Checking is paid on the average daily balance up to $10,000, if account requirements are met. Any part of a balance over $10,000.00 will not receive a dividend.

Do I have to do anything in order to get my ATM refund?
No. Upon meeting the monthly requirements, ATM refunds will automatically be posted to the account.

If my account balance goes negative, will I still be able to qualify for my rewards during that statement cycle?
Yes, if the requirements are met.

If I fail to meet the requirements during this statement cycle, can I still have a chance to qualify during the next statement cycle?
Yes, each month is viewed as a new requirement period.

What is the statement cycle for Vista Plus Checking?
For dividend and qualification calculation purposes, a month is defined as the last day of the month to the day before the last day of the next month.

If I use my Debit Card at an ATM, will that transaction count towards my requirements?
No. ATM/Cash withdrawals do not count towards this requirement. Only Debit Card point of sale (purchase) transactions count.

May I “carry forward” Debit Card transactions in excess of the required number to the next statement cycle?
No. Since there is no limit on the maximum number of transactions allowed, each month starts over the requirement cycle.

Must I access my e-Statement online in order to qualify for Vista Plus Checking?
No. You need only to sign up with a valid email address so we can we send you a notice when your statement is ready to be viewed. You do not have to login and access your statement.

Can I have a Vista Plus Checking account if I don’t own a computer?
Yes, as long as you have a valid e-mail account. Free e-mail accounts are available through several different web sites. Peninsula Credit Union provides free access to online accounts. Public libraries have internet access to help with this. Some free e-mail service companies are Gmail, Hotmail and Yahoo.

Is there a minimum balance requirement in order to receive my rewards?
The Credit Union does not require a minimum balance as long as the requirements are met. In order to receive the stated dividend rate, the average daily balance must be $0.01.

Is there a limit on the amount of ATM refunds that I can receive during a statement cycle?
Yes, as long as the requirements are met, all ATM transaction fees will be refunded up to $15.00 per month.

Can this be used as a business account?
No. This account is for consumer use only.

Does Vista Plus include free checks?
Yes, One box per year.

When are eStatements available?
Your eStatements are available the first of every month at http://www.bitstatement.org/pcfcu. You will receive a reminder e-mail when they are available, but you can review your statements at any time. In addition, your year end tax statements are stored there.

Are all of my debit transactions immediately sent to Peninsula Credit Union?
Your 15 debit transactions to qualify must have been posted to your account within the qualifying period. In the great majority of cases those transactions are almost an immediate event, however, in some instances the merchant or retailer may delay the submission of a transaction for a short time up to a few days. This is not an event that you or PCU can control, and as a result may affect the number of your transactions posted in a qualifying period.

Vista Premier

Vista Premier is the our next level of checking account.  Peninsula Credit Union Members can receive an incredible 1.25% Annual Percentage Yield on their account with no minimum balance and up to $15.00 in ATM fees anywhere, just by doing two simple things monthly!

Benefits:

  • No minimum balance
  • No monthly fee
  • Debit card
  • Free online banking
  • Overdraft protection available
  • PCU Perks Premium
    • 24 Hour Roadside Assistance
    • Travel Accidental Death Coverage
    • Cellphone Protection
    • ID Theft Aid
    • Pharmacy Savings
    • Vision Savings
    • Hearing Savings
  • Plus all of the benefits from Vista Plus!

Account Details

  • Must use PCU debit card a minimum of 15 purchase transactions per monthly statement cycle – minimum dollar amount of qualifying debit transaction: $5 (five dollars)
  • Receive eStatements monthly (member must sign up with a valid email address)
  • Vista Checking dividends are paid on the average daily balance up to 10,000 if account requirements are met.

Vista Checking Rates

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

With Vista Premier 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).

Vista Premier Checking Questions and Answers

What happens if I do not meet the monthly requirements for Vista Premier Checking?
Premium dividends are not paid and ATM fees are not refunded for that statement cycle, a $1.00 fee will be charged for each ATM transaction at any ATM other than at a Peninsula Credit Union location.

Can the dividends change on my Vista Premier account?
Yes. The dividend rate can change.

Is there a cap on the amount I can earn dividends on?
Vista Premier Checking is paid on the average daily balance up to $10,000, if account requirements are met. Any part of a balance over $10,000.00 will not receive a dividend.

Do I have to do anything in order to get my ATM refund?
No. Upon meeting the monthly requirements, ATM refunds will automatically be posted to the account.

If my account balance goes negative, will I still be able to qualify for my rewards during that statement cycle?
Yes, if the requirements are met.

If I fail to meet the requirements during this statement cycle, can I still have a chance to qualify during the next statement cycle?
Yes, each month is viewed as a new requirement period.

What is the statement cycle for Vista Premier Checking?
For dividend and qualification calculation purposes, a month is defined as the last day of the month to the day before the last day of the next month.

If I use my Debit Card at an ATM, will that transaction count towards my requirements?
No. ATM/Cash withdrawals do not count towards this requirement. Only Debit Card point of sale (purchase) transactions count.

May I “carry forward” Debit Card transactions in excess of the required number to the next statement cycle?
No. Since there is no limit on the maximum number of transactions allowed, each month starts over the requirement cycle.

Must I access my e-Statement online in order to qualify for Vista Premier Checking?
No. You need only to sign up with a valid email address so we can we send you a notice when your statement is ready to be viewed. You do not have to login and access your statement.

Can I have a Vista Premier Checking account if I don’t own a computer?
Yes, as long as you have a valid e-mail account. Free e-mail accounts are available through several different web sites. Peninsula Credit Union provides free access to online accounts. Public libraries have internet access to help with this. Some free e-mail service companies are Gmail, Hotmail and Yahoo.

Is there a minimum balance requirement in order to receive my rewards?
The Credit Union does not require a minimum balance as long as the requirements are met. In order to receive the stated dividend rate, the average daily balance must be $0.01.

Is there a limit on the amount of ATM refunds that I can receive during a statement cycle?
Yes, as long as the requirements are met, all ATM transaction fees will be refunded up to $15.00 per month.

Can this be used as a business account?
No. This account is for consumer use only.

Does Vista Premier include free checks?
Yes, One box per year.

When are eStatements available?
Your eStatements are available the first of every month at http://www.bitstatement.org/pcfcu. You will receive a reminder e-mail when they are available, but you can review your statements at any time. In addition, your year end tax statements are stored there.

Are all of my debit transactions immediately sent to Peninsula Credit Union?
Your 15 debit transactions to qualify must have been posted to your account within the qualifying period. In the great majority of cases those transactions are almost an immediate event, however, in some instances the merchant or retailer may delay the submission of a transaction for a short time up to a few days. This is not an event that you or PCU can control, and as a result may affect the number of your transactions posted in a qualifying period.

Frequently Asked Questions (FAQ's)

What’s happening to PCU’s checking accounts?

We have combined all personal checking accounts into one Vista checking with two additional add on packages.

Our best value and most robust account is the Vista Premier. The account includes PCU Perks and many other discounts.

Vista Plus does not offer the added benefits of PCU Perks but does provide discounts on coin counting, Safe Deposit Boxes, teller checks and personal checks.

Are the fees changing?

Yes. The account fee structure is changing.

The Vista Plus will have a monthly account fee of $3

The Vista Premier will have a monthly account fee of $6.

The Vista Basic does not have a monthly account fee.

An additional $3 account maintenance fee will be added to all accounts without eStatements.

Are the qualifications or rewards changing?

Yes. The number of debit card transactions has increased to 15 and the ATM refunds has reduced to $15.

 

Will account numbers change?

No. Existing account numbers will remain the same.

Any changes to direct deposit or automatic payments?

No. Since the account number will not change, all direct deposits and automatic payments that occur in the account will continue to occur.

Are new debit cards, or new checks required?

No. Debit card numbers and check numbers remain the same.

Will online banking and online bill pay information change?

No. Members with online banking and/or bill pay with Peninsula Credit Union, everything will remain the same.

Does Peninsula Credit Union actually pay ATM fee reimbursements?

Yes. During the last 12 months, PCU has refunded over $66,000 back to our members just for ATM fees. Since we launched this checking account we have given back over $500,000 in ATM refunds to our PCU members

Do members really get 15 debit transactions each month?

The average for this account is 45 debit transactions each month.

How will the fee structure apply for February?

New checking accounts with the new class codes will be charged their applicable monthly fee and a $3.00 maintenance fee (waived with eStatements) on Feb 28.

For the month of February 2018, all Vista class codes only need to do 12 debits and can receive up to $20 in ATM refunds upon qualifying (signing into Online will not be a requirement).

On March 31st, the maintenance fee will be $3.00 for all accounts (waived with eStatements).

Beginning in March, the 15 debit card transactions ($5 min) and $15 max ATM refund applies.

What is the difference between the Monthly Fee and the Maintenance Fee?

The Monthly Fee is associated with the benefits that come with the account, such as half off a Safe Deposit Box, free cashier’s checks, a box of free checks a year, etc.

The Maintenance Fee is for regular maintenance that we have to perform on every checking account, such as sending out monthly statements, tax documents, posting direct deposits and automatic withdrawals, and other routine tasks necessary to keep your account running. We waive the fee for all of this maintenance if you simply sign up for electronic statements.

Are ATM surcharges waived for all three tiers of Vista?

Yes, upon meeting the monthly qualification, otherwise $1 per transaction.

Business Checking

This account is designed specifically for the small business owner, offering a low monthly service fee, no fees for deposits and totaling member checks, or for the first 20 checks that clear each month. For your convenience, there are night depositories at each branch, as well as merchant services (VISA/Mastercard) available. Federal Tax Deposit Services are available electronically, free of charge.

You will need the following in order to open an account:

  • Name
  • Residential Street Address
  • Taxpayer Identification Number (Social Security Number)
  • Date of Birth
  • Current government issued photo identification and a second piece of identification such as a social security card, credit card, insurance card, voter registration card, employer ID, etc.
  • Home Phone
  • Occupation
  • Business License

Learn more about small business accounts

Resources

Rates & Fees

View our current rates and fees that apply to all checking accounts.

Order Checks Online

Order checks online, anytime of day or night!

PCU Perks

A free mobile & online app for an incredible new rewards program for all members with personal checking accounts.

The Check 21 Act

Learn about the Check 21 Act and how it affects you.

Direct Deposit

Learn what you'll need to begin accepting direct deposits.

Wire Transfer Information

Find wire transfer instructions, including routing number information and more.

SavvyMoney Checkup

A free tool to assess your finances, evaluate your budget and get a handle on your credit.