- Checking Accounts

PAFCU offers various checking accounts, each specifically designed to enhance your life.

PAFCU provides you with a set of starter checks. Additional checks are provided at a nominal cost. If you elect to have Direct Deposit (Net Pay) however, we will provide you with one box of standard checks absolutely free.* Please see our Fees & Service Charges for specific fees relating to our checking accounts.

All checking accounts can be accessed through our Website at anytime.

Other benefits:

• FastChek Debit Card
• Bill Payer
• Zelle®
• Card Controls on our Mobile App

Freedom Checking

• Online Banking and Mobile App
• FastChek Debit Mastercard
• Zelle®
• Debit Card Control & Monitoring (on PAFCU’s Mobile App)
• Bill Payer
• Environmentally friendly eStatements

BaZing Checking

• Great Value-Added Benefits, including: cell phone protection, identity and credit monitoring with credit report and score, roadside assistance, money-saving discounts, and much more!*
• Online Banking and Mobile App
• FastChek Debit Mastercard
• Zelle®
• Debit Card Control & Monitoring (on PAFCU’s Mobile App)
• Bill Payer
• Environmentally friendly eStatements
• Benefits

VIP Checking

• Great Value-Added Benefits, including: cell phone protection, identity and credit monitoring with credit report and score, roadside assistance, money-saving discounts, and much more!*
• Dividends
• Online Banking and Mobile App
• FastChek Debit Mastercard
• Zelle®
• Debit Card Control & Monitoring (on PAFCU’s Mobile App)
• Bill Payer
• Environmentally friendly eStatements
• Benefits

Business Checking

• $100.00 Minimum Balance
• Unlimited Transactions
• Low Monthly Service Charge

Overdraft Protection

• Your PAFCU Savings Account can automatically provide overdraft protection to your Checking Account.
• You can also apply for an additional line of credit through Mastercard or an Overdraft Loan.

Counterfeit Check Scams Come in Many Forms

There are many different check scams. Most of the time the scammers claim to be from other countries and say it's too difficult to pay you directly. Whatever they are claiming, the result is the same — after you've sent them the money, you will find out their check or money order has been returned for insufficient funds.

Have you received a letter saying you've won a foreign lottery?

Don't bite. It looks legitimate because there's a cashier's check included that's supposed to cover taxes and fees. You're told to deposit the check and wire the money to the sender to pay the taxes and fees. After your payment is received, you're supposed to get your prize. Don't count on ever seeing a prize. The check is a fraud.

Have you been selected to be a "secret shopper" to evaluate the effectiveness of a wire transfer service?

It's actually a scam artist who's asking you to deposit the check in your credit union account. Then you're supposed to withdraw that amount in cash and use the wire transfer service in - you guessed it - a foreign city. If you do, you've just wired your money to the crook.

You may ask yourself:

How do these scammers find their victims?

Fake check scammers scan newspaper and online advertisements for people listing items for sale and check postings on online job sites from people seeking employment. They place their own ads with phone numbers or email addresses for people to contact them. Then they call or send emails or faxes to people randomly, knowing that some will take the bait.

How can I protect myself from fake check scams?

There is no legitimate reason for someone who is giving you money to ask you to wire or send money back - that's a clear sign that it's a scam. If a stranger wants to pay you for something, insist on a cashiers check for the exact amount, preferably from a local bank or one with a branch in your area.

If you think someone is trying to pull a fake check scam, don't deposit it - report it! Contact the National Consumers League's National Fraud Information Center, www.fraud.org or toll-free 800-876-7060. There are also more detailed tips about fake check scams in the telemarketing and internet fraud sections of the web site.

*Full disclosures on PAFCU's BaZing Checking page.