Checking
Share Draft Checking
Tired of paying high fees for your checking account? Switch to a FREE Share Draft Checking at PAC Federal Credit Union!
The PAC FCU Share Draft Checking is designed with the needs of our members in mind. With no per check fee and flexible options, our checking account has everything you need.
- No per check fees
- No minimum balance requirement
- Available overdraft protection
- Direct Deposit
- Access to your cash using the convenient PAC FCU
- Debit/ATM Card
- Online access to check images
- Order new checks online
- See if a check has cleared online
E-Checking PLUS (pays higher interest on the first $1,000 of your balance)
E-Checking PLUS is PAC FCU’s high-interest bearing checking account for members on the go. Sign up to for the convenience of direct deposit, use a PAC FCU debit card, receive your monthly statements electronically – and you will earn more interest on the first $1,000 of your balance in your E-Checking account (click here to see current rates). No minimum balance is required. Absolutely no monthly fees! And you have access to bill pay – FREE!
E-Checking PLUS makes managing your finances easier AND the best part is, you can do it from the comfort and privacy of your home or work computer. Receive electronic monthly statements and notices instead of mailed paper statements. Establish 24-hour access to your account through our PAC website www.pacfcu.com and Home Banking.
E-Checking PLUS Requirements
The following are required services for the E-Checking PLUS account:
- Sign-up for E-Statements
- Maintain a Share account
- Maintain an active PAC FCU Debit Card
- Maintain a Draft account with Monthly Direct Deposit
Overdraft Protection
PAC Federal Credit Union can help you avoid the embarrassment and cost of NSF (non-sufficient funds) checks by covering your overdraft before they occur. We offer the following overdraft protection options:
Line of Credit
A line of credit can be established for qualified members. When your checking account goes negative, PAC FCU will transfer funds to your checking account from your established credit line automatically.
Transfer from Savings
Running short or made an error in your check register? At PAC FCU you can arrange to have funds transferred from your savings account to cover a shortfall. The number of these transfers may be limited, so ask one of our representatives about this service.
How to Sign Up
To sign up for a PAC FCU Share Draft Checking Account, visit any of our branches or call a customer service representative at 248-619-0440.
