Consumer Privacy Notice: Federal law requires us to tell you how we collect, share, and protect your personal information. Our Privacy Policy has not changed and you may review our disclosure and practices with respect to your personal information here or we will mail you a free copy upon request if you call us at 419-479-4040.


Basic Checking

Basic Checking
- Free Unlimited Use of ATMs in Network
- Free Online Access and Bill Pay
- Free 24 Hour Telephone Banking
- Free Overdraft Protection from Savings
- Free Debit Card (No Fees, Unlimited Use)
- No Minimum Balance
- Free Unlimited Check Writing & Cashing
- All Funds Insured Up to $500,000
Additional Free Services with Basic Checking
- Mobile App Access
- eAlerts & Text Alerts
- 40,000 ATMs Nationwide, including all 7-Eleven stores
- 190 ATMs in Toledo Area
- 10 ATMs in 7 ProMedica Facilities
- Immediate Posting of ATM and Online Activity
- Electronic Statements
- 10% Interest on Save Your Change Savings Account

Premier Checking

Premier Checking
Premier Checking offers the same benefits and services as a Basic Checking plus additional:
- 0.05% Interest on Funds (Over $600 Balance)
- No Fees
- Free Checks Forever with Direct Deposit
- Free Cashier's Checks
- Direct Deposit Totaling $600 per Month

Pinnacle Checking

Pinnacle Checking
Pinnacle Checking offers the same benefits and services as a Premier Checking plus additional:
- 3% Interest on Funds (No Minimum Balance, Up to $3,000)
- No Minimum Balance
- Free ID Theft Recovery (For Entire Family, 3 Generations)

Identity Theft Awareness

Covered Account Description

- Free Nationwide ATMs (Out of Network ATMs with $8 Monthly Fees Reimbursed)
- No Fees
- Direct Deposit Totaling $600 per Month
- 15 Total Signed Debit Transactions per Month
- eStatements
- VISA Card (No Minimum Charge Required)

Miss meeting the requirements one month?

Don't worry. You are still a Pinnacle Checking member. The following month you will receive the regular rate on your checking funds, and will not receive refunds on your non-network ATM usage. You will maintain your benefit of ID Theft Recovery for your family. The next month you meet the requirements, your full benefits are restored. If you miss meeting your commitments three months in a row, you will lose the ID Theft Recovery benefits.

ProChance Checking

ProChance Checking
- Our ProChance Checking* Account can help you rebuild your financial relationship regardless of past banking problems. Instead of paying payday lenders or check-cashing companies an average of 400% interest (the industry average); you pay just $7 per month for unlimited check writing. After 12 months of successfully managing your ProChance Checking Account, you can request that your status be reviewed and switched over to a regular checking account. That can save you even more money and open the door to a variety of other credit union services like a debit card, online bill pay and courtesy pay.

*Individuals with a record of fraud on the Chex System report and those who have caused a loss at ProMedica Federal Credit Union are not eligible. Debit Card and Courtesy Pay are not available. Other terms and conditions will be disclosed at the time you open the account.
- Must be 18 years of age or older
- Members with a ChexSystems record (other than fraud) that don’t qualify for PFCU’s Basic checking account are eligible for ProChance Checking
- Chex System report must be older than 6 months and cannot owe another Financial Institution more than $500.00.
- Any current or previous member who has caused ProMedica Federal Credit Union a loss or has had their services terminated for cause are not eligible for this account.
- Minimum balance to open account is $50 (If new member, membership requirement must be met)
- ATM card
- Savings overdraft protection
- Online Access
- E-Statements
- Check ordering available
- After 12 months of successfully managing your ProChance Checking Account, you can request that your status be reviewed and switched over to a regular checking account.
- The cost is $7/month with full direct deposit required. (Minimum $600/month)
- Limit of 2 overdrafts (OD’s) within a 12 month period or the account will be closed. If you have 2 or fewer overdrafts within 12 months you can request a transfer to PFCU regular checking option.
- You must complete and pass a short financial education quiz to test knowledge regarding checking account management.
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