Checking Accounts

Whether you want to avoid monthly fees, earn reward points or manage your account online, our checking accounts have all the features you need to make your money work for you.

Classic Checking

While other financial institutions raise fees and stipulations on their checking accounts, Palmetto Citizens still offers a truly free option.


With our Classic Checking, you’ll enjoy:

  • No minimum balance requirement
  • No monthly service fees
  • ScoreCard® Reward Points
  • Monthly dividends
  • Savings Round-Up (optional)
    •
Open an Account



Current members can open a checking account, or any other additional accounts, by logging into online or mobile banking and choosing 'Open New Account' from the menu.

Balance Requirements
(to earn APY)		 Dividend Rate APY Minimum Balance
(to Avoid Fee)
$500+ 0.12% 0.12% $0

Accessing your account is simple with our convenient online and mobile account access, free eStatements and nationwide ATM network. We also offer various overdraft options to protect your account should you mistakenly overdraw or need funds in an emergency.

Premium Checking

Our Premium Checking is perfect for our members who want to keep a higher balance in their account. There is no monthly fee1 when a minimum balance of $2,500 is maintained in the account. In addition to the other benefits of our Classic Checking, this Premium account also includes tiered dividend rates, free checks2, a free 3x5 Safe Deposit Box (or discount on larger size)3 and free Online Bill Pay.4

Balance Requirements
(to earn APY)		 Dividend Rate APY Minimum Balance
(to Avoid Fee)
$500-$2,499.99 0.12% 0.12% $2,500
$2,500-$4,999.99 0.26% 0.26% $2,500
$5,000-$24,999.99 0.30% 0.30% $2,500
$25,000+ 0.39% 0.39% $2,500

Reloadable Debit Card

Our reloadable debit card can be a great tool to learn with before opening your first checking account or for those who have had issues handling their account in the past. Cards can be reloaded at any Palmetto Citizens office or online. Certain fees apply.

Make the Switch

Use the following forms to ease your switch to Palmetto Citizens checking. These forms will help you change direct deposits, automatic payments and to close accounts with other financial institutions.

To properly view these documents, you will need to download a free copy of Adobe Acrobat Reader.

Related Links

1Below minimum balance fee: $12; 2Free checks limited to PCFCU custom checks; 3Subject to location availability; 4Transfer limits apply to bill pay.