Compare Checking Accounts

Piedmont Federal offers a variety of checking options for all of your life’s financial milestones: PFBoost, PFFree, PFClassic and PFPinnacle.
PFFree, PFClassic and PFPinnacle earn interest. All of our checking accounts offer unlimited free withdrawals at any ATM worldwide, Online Banking, Credit Sense, Mobile Banking, Telebanking, Mobile Deposit, Bill Pay, Overdraft Protection,3 Account-to-Account Transfers, eStatements, Debit Cards, Make$ents, CardValet® and Zelle®.
Hey Students! Check out our new Student Smart Start Checking.
Score big with rewards for completing financial education modules.
Stress less knowing that your banking experience is "on the house."
Simplify your banking using our mobile app for all your financial needs.
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Best if you prefer |
Straightforward checkless banking |
Free checking, with online and mobile access for banking on the go |
Traditional banking with unlimited check writing |
Relationship checking that offers discounts, rewards and additional security |
Minimum opening balance |
$20 or $0 with direct deposit |
$50 |
$100 |
$100 |
Monthly fee |
$4 |
No monthly maintenance fee. |
No monthly maintenance fee when you meet one of the following requirements each statement cycle: Maintain a $100 average daily balance OR Maintain a minimum balance of $2,500 in Piedmont Federal deposit accounts OR Conduct 25 or more debit card purchase transactions 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 $10,000 in Piedmont Federal deposit accounts OR Have a Piedmont Federal mortgage with a balance OR Have a Piedmont Federal Home Equity Line of Credit with a balance of $10,000 or more Otherwise, $20 monthly maintenance fee |
Checks |
N/A |
Unlimited check writing |
Unlimited check writing |
Unlimited check writing |
Checks printing charge |
N/A |
At customer’s expense |
Free first order of standard checks, 40% discount on standard check orders if you are age 55+ |
Two Free orders of standard checks or 40% discount on custom checks |
Other PFPerks or Requirements |
Paper or eStatements
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eStatements required Online Banking required |
No purchase fee for gift cards 40% discount on safe deposit box rental fee, 2 Visa Credit card with no annual fee 3 |
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Make$ents |
Yes, learn more |
Yes, learn more |
Yes, learn more |
Yes, learn more |
UChoose Rewards® |
Yes, learn more |
Yes, learn more |
Yes, learn more |
Yes, learn more |
View Products and Services Fee Schedule (PDF) | ||||
TO OPEN AN ACCOUNT: APPLY IN MINUTES OR CALL FOR DETAILS. |
1 Standard nonsufficient funds and overdraft advance fees still apply.2 Based on availability.3 Subject to credit approval.
All of our checking accounts earn interest, offer unlimited free withdrawals at any ATM worldwide, Online Banking, Credit Sense, Mobile Banking, Telebanking, Mobile Deposit, Bill Pay, Overdraft Protection,4 Account-to-Account Transfers, eStatements, Debit Cards, Make$ents, CardValet® and Zelle®.
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1 Standard nonsufficient funds and overdraft advance fees still apply.
1 Based on availability.
2 Available with next check order.
3 Subject to credit approval.