Checking Accounts

Get What You Want, When You Need It

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  • FREE Checking
  • Earn money for using your debit card
  • Competitive dividends
  • Overdraft protection Available
  • Free Pathways debit card with unlimited usage
  • Free first box of checks
  • Direct deposit
  • Unlimited transactions
  • Free online banking & bill pay
  • Free mobile & text banking
  • Free e-statements
  • Account e-alerts & text alerts
  • Insured up to $500,000
  • $10 Grace

Checking Accounts Rates

Account Type
Min to Open / Earn Dividends
Premier Checking
Minimum Account Balance: $250.00
Rate: 0.05%
APY: 0.05%
Owner Rewards Savings Account ( >$2,500)
Minimum Account Balance: $0.00
Rate: 0.08%
APY: 0.08%
Owner Rewards Savings Account ( < $2,500)
Minimum Account Balance: $0.00
Rate: 5.00%
APY: 5.00%

*Existing checking accounts not eligible for Pathways matching funds, an Owner Rewards Savings Account will be added earning 10.00% APY. APY = Annual Percentage Yield. Owner Rewards Savings balances $2,500 and under will earn 10.00% APY compounded and credited quarterly; balances exceeding $2,500 will earn regular Secondary Savings APY. Consult the Credit Union’s Account Disclosure Rate Supplement for current APY. Six month Credit Union match valid for new checking accounts only. Maximum match amount $50 per month for the first six months; match ends six months after checking account opening. Round-up deposits will not be made in the instance of a negative checking account balance. The only deposits permitted into Owner Rewards Savings Account are round-up deposits from debit card transactions and applicable credit union match funds. PFCU share and checking accounts federally insured for up to $250,000 by the National Credit Union Administration (NCUA). Savings rates subject to change without notice. We reserve the right to end or extend this offer at any time.

To obtain additional rate information, contact our Member Services department at 614-416-7588.

Account Descriptions

Account Type
Additional Information
Swipe2Save Checking


Our Swipe2Save Checking Account rewards you for making everyday debit card transactions.

Here’s how it works:

Step 1 – For every purchase you make with your debit card, Pathways will round up the amount to the nearest dollar and deposit the difference into your Swipe2Save Savings Account. Rounding up transactions to whole numbers makes account balancing a breeze!

Step 2 – Pathways matches your rounded-up amounts penny-for-penny up to $50/month for the first 6 months.

Step 3 – Your savings really add up – the Owner Rewards Savings Account connected to your checking earns an unbeatable 10.00% APY!*

Step 4 – After the first 6-months the Pathways match ends, but you continue to have all debit card transactions rounded up to your high-yield Owner Rewards Savings Account

Check out the video below for more on how Swipe2Save works!


Premier Checking

Checking without fees is more than a perk. It’s your right.

Watch this quick video on why having a checking account is important, and how they work!

Pathways Financial Credit Union is proud to be one of the few financial institutions still offering FREE checking!  While the “big banks” are finding new ways to sneak in fees and service charges, we’re always working to find ways to save you money.

That’s why free checking has always been a given at Pathways.  There are no special requirements or limited-time promotional periods.  No maintenance fees or minimum balance fees ever.  For every member.  All the time.

Other Perks

  • Unlimited transactions
  • Dividends paid on average daily balances of $250 or more
  • Premier Overdraft Privilege Protection
  • First 50 checks – FREE (2 packs of 25 each)
  • Free and unlimited usage of your debit card at Pathways ATMs*
  • Added benefits when you reach age 55 – Free basic checks (one box of 100 wallet duplicate checks, or one box of 120 single checks – per year), free corporate drafts/cashiers checks, free phone transfers.

All Pathways checking accounts include the following at no cost:

  • Pathways debit card
  • Online banking & bill pay
  • Mobile & text banking
  • Account E-Alerts & text alerts
  • Direct deposit

Exercise your right to free checking now by opening an account today.  If you currently bank with Pathways, you can open your new checking account at your nearest branch or by clicking the Apply Today button on the right