CHECKING

Access your money whenever you choose with the convenience of a Perry Point FCU checking account. Unlike many bank checking accounts, our account requires no minimum balance and has no monthly or per-check fees. There is no limit to the number of checks you can write each month or to the amount of money you can deposit or withdraw (subject to available funds).

We’ll mail you a monthly statement showing all of the transactions on your account to help you manage your money. You can also view your account statement using our secure Online Account Manager. When you open a checking account with us, we’ll even provide your first 50 checks free of charge. After that, you can purchase low-cost checks by selecting from our wide variety of styles. All our checks have a carbonless copy that is produced every time you write a check. You keep the copy to reconcile with your monthly statement since we don’t send processed (paid) checks to you. The copies are very helpful if you forget to record a check in your checkbook register. With our Online Account Manager, you can view and print a copy of your processed check anytime at no charge. If you need us to provide you with a copy of a processed check, they are available for a fee of $5 each.

When you make automatic deposits into your checking account by direct deposit or payroll deduction and use our ATM or debit card, you don’t even have to come to the Credit Union office. With our ATM or debit card, you can withdraw money from any automatic teller machine on the Allpoint, Star or Cirrus networks. If you use one of the more than 32,000 Allpoint ATMs nationwide, you'll not have to pay a surcharge fee for your withdrawal. (To find an Allpoint ATM near you, enter your zip code in the box in the upper right corner of this page and click GO.) You can also obtain a withdrawal without a surcharge at ATMs in Wawa and Sheetz convenience stores. For more information about our ATM and debit cards, click here. You can also obtain information about your checking account and perform transactions by using our FREE Online Account Manager service or calling our FREE automated TELLER*Phone system from any touchtone telephone 24 hours a day, 7 days a week. For more information about TELLER*Phone, click here.

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OVERDRAFT PRIVILEGe AND OVERDRAFT PROTECTION

Overdraw Your Account? We've Got You Covered...

We offer two ways to help you avoid the embarrassment and expense of bouncing a check - Overdraft Privilege and Overdraft Protection. With Overdraft Privilege, if a check comes in but there are not enough funds in your checking account to pay it, we’ll cover the check and allow your account balance to go negative up to $500 including fees. The standard non-sufficient fund fee of $25 per check will be charged to your checking account should an overdraft occur. This service is available to eligible members automatically. You'll be notified when you're eligible. For more details on our Overdraft Privilege service, ask for a copy of our Discretionary Overdraft Privilege Policy.

With our optional Overdraft Protection program, we'll transfer enough money from available funds in your savings account to pay any check that comes in without sufficient funds in your checking account to pay it. There's a fee of $5 for each Overdraft Protection transfer. This option is available upon request and will require that you sign an authorization before it is activated. If you sign up for Overdraft Protection, it will become the primary method of covering overdrafts. Only when you have depleted the funds in your savings account will Overdraft Privilege be activated.

Both overdraft programs are simple and convenient - and best of all, there are no monthly fees. You only pay for the services when and if you need them. Enjoy the convenience and peace of mind of knowing that we've got you covered!

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