Checking

Woman balanceing checkbook while looking at computer

A Patterson Federal Credit Union checking account opens the door to more benefits and fewer fees, so you keep more your hard-earned money!

We have different checking options to fit your individual needs. Explore the different options in the chart below.

Stop by our branch, or call 870-246-8005 to open your checking account today!

All PFCU checking accounts include these features:



PFCU won the Louise Herring Philosophy-in-Action Member Service Award for our Everyday Hero Checking Account, which is designed especially for first responders, military, teachers and others who serve our community. The award is given to a credit union for its practical application of credit union philosophy within the actual operation of the credit union.


Available Checking Accounts

Free Checking Bonus Checking Seniority Checking
Must be 55+ years of age to be qualified
Everyday hero CHECKing
Must be First Responder, Educator, Health Care Worker or Military (all are active or retired)
No minimum deposit required $100 initial deposit required $100 initial deposit required No minimum balance required
No minimum balance required $500 minimum balance No minimum balance required No monthly service fees
Free online access Free online access Free online access Free online access
Free direct deposit Free direct deposit Must have a regular direct deposit Must have a regular direct deposit
Monthly statement Monthly statement Monthly statement Monthly statement
$10 fee to order debit card(no monthly debit card fee) $10 fee to order debit card(no monthly debit card fee) Free ATM/Debit card Free ATM/Debit card
  Interest earned on balances of $300 or more Interest earned on balances of $300 or more Loan interest rate reduction
  $10 service charge if balance falls below $500 No service charges One free skip-a-pay per year
  First check order free Free checks Interest rate bump on share certificates
    Overdraft protection with savings
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