Compare Checking Accounts

Piedmont Federal offers three full-service, interest-bearing checking accounts to suit your financial situation and personal needs: Easy Access, NOW Checking and PFSelect.

It’s easy to reorder
your checks online.

 

EASY ACCESS

NOW CHECKING

PFSELECT

Best if you want

For customers who prefer to bank electronically and who enjoy online convenience

For customers who prefer simplified banking with unlimited check writing

For customers that prefer unlimited check writing with free checks and more features

Minimum opening balance

$50

$100

$100

Monthly fee

No monthly maintenance fee when you meet one of the following requirements each statement cycle:

Maintain a $50 average daily balance

OR

Have a Piedmont Federal mortgage, equity line, CD or IRA

Otherwise, $5 monthly maintenance fee

No monthly maintenance fee when you meet one of the following requirements each statement cycle:

Maintain a minimum balance of $100

OR

Maintain a balance of $2,500 in another Piedmont Federal account

Otherwise, $10 monthly maintenance fee

No monthly maintenance fee when you meet one of the following requirements each statement cycle:

Maintain a minimum balance of $2,500 in Piedmont Federal deposits

OR

Have $500 in a Piedmont Federal retirement account

OR

Have a Piedmont Federal mortgage

Otherwise, $20 monthly maintenance fee

Earns interest

Yes, see rates

Yes, see rates

Yes, see rates

ATMs

Unlimited free withdrawals at any ATM worldwide

Unlimited free withdrawals at any ATM worldwide

Unlimited free withdrawals at any ATM worldwide

Checks

Up to 4 checks may be written on the account per cycle, $3 per check after 4

Unlimited check writing

Unlimited check writing

Free personalized checks

Online Banking & Bill Pay

Free –

Free –

Free –

Mobile & Text Banking

Free Mobile & Text Banking2

Free Mobile & Text Banking2

Free Mobile & Text Banking 2

Telebanking

Free Telebanking2

Free Telebanking2

Free Telebanking2

Debit/Credit Cards

Free Debit Card

Free Debit Card

Free Debit Card

Free VISA Credit Card*
with no annual fee
* subject to credit approval

Additional benefits

Prime Equity Line3
with low closing costs**
** subject to credit approval

Overdraft protection

Secure your account with overdraft protection through automatic transfers from another Piedmont Federal account, OR through a Piedmont Federal Personal Reserve account (subject to credit approval)

Secure your account with overdraft protection through automatic transfers from another Piedmont Federal account, OR through a Piedmont Federal Personal Reserve account (subject to credit approval)

Secure your account with overdraft protection through automatic transfers from another Piedmont Federal account, OR through a Piedmont Federal Personal Reserve account (subject to credit approval)

Account to account transfers

Free – transfer into your Piedmont Federal checking account from other financial institutions4

$2 – transfers from your Piedmont Federal checking account to other financial institutions

Free – transfer into your Piedmont Federal checking account from other financial institutions4

$2 – transfers from your Piedmont Federal checking account to other financial institutions

Free – transfer into your Piedmont Federal checking account from other financial institutions4

$2 – transfers from your Piedmont Federal checking account to other financial institutions

Check printing charge

Book of 30 at customer’s expense

Fee depends on style of checks ordered

Free for PFSelect checks, 40% discount on custom checks

Fee depends on style of checks ordered

View Products and Services Fee Schedule (PDF)
TO OPEN AN ACCOUNT: VISIT A BRANCH NEAR YOU OR CALL FOR DETAILS.

1 To access Online Banking & Bill Pay, you must first enroll in the service.

2 Your mobile carrier may charge fees depending upon your individual plan. Check with your carrier for specific fees and charges. To access Mobile & Text Banking, you must first enroll in the service. Enrollment through the Mobile App is not available on all devices.

3 Piedmont Federal will absorb the closing costs up to $400 of the appraisal and $150 of the attorney fee. Borrower will receive a credit of the appraisal fee at time of closing. You get the Prime Rate as published in the Wall Street Journal. This rate will vary and it will be no less than 3% nor greater than 16%.

4 Please note you may be charged a fee to transfer from the external account; please check with your other financial institution.

EASY ACCESS

  • Best for customers who prefer to bank electronically and who enjoy online convenience
  • $50 minimum opening balance
  • Earns Interest, see rates
  • Unlimited free withdrawals at any ATM worldwide

NOW CHECKING

  • Best for customers who prefer simplified banking with unlimited check writing
  • $100 minimum opening balance
  • Earns Interest, see rates
  • Unlimited free withdrawals at any ATM worldwide

PFSELECT

  • Best for customers that prefer unlimited check writing with free checks and more features
  • $100 minimum opening balance
  • Earns Interest, see rates
  • UUnlimited free withdrawals at any ATM worldwide
View Products and Services Fee Schedule (PDF)
TO OPEN AN ACCOUNT:
VISIT A BRANCH NEAR YOU OR CALL FOR DETAILS.
Straightforward, commonsense banking