Park Community Credit Union - Checking Accounts Page

Get a checking account tailored to meet your needs.

At Park Community, we offer a variety of checking accounts including free checking with interest, student checking, fresh start checking, and more. Whether you have direct deposit and like to use your debit card or just need an extra account to manage your money, Park Community has an account to meet your needs.

Regular Checking

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Spend Your Money, Your Way with Our Regular Checking Account!

Did you know that our Regular Checking account is free when you have a loan with Park Community? If you don’t have a loan with us, the account is still free when you maintain a minimum daily combined balance of $200. If that is not enough, we’ve added more features to make sure your everyday banking is convenient and rewarding.

Regular Checking Features:

  • No Direct Deposit Required
  • Bill Pay
  • Unlimited Check Writing
  • 7 Free ATM Transactions Monthly1

HI Checking

Are you looking for a good, free, high interest checking account with ATM refunds1?

Look no further! Our HI Checking account requires no minimum balance and includes a free debit card, overdraft protection, plus bill pay.

If you meet the below requirements, HI Checking offers:

  • 1.85% APY2 paid on balances up to $10,000
  • 0.05% APY2 paid on the portion of the balance over $10,000

Requirements to Earn Interest:

  • 20 Debit Card Transactions (PIN- based or Signature)
  • Spend $500 or More in Debit Card Transactions (PIN- based or Signature)
  • Setup Direct Deposit
  • Enroll in eStatements
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Timeless Checking

You’ve put in the work, now it is time to reap the benefits.

Our Timeless Checking Account rewards our members who are 50 and older with these exclusive benefits:

  • 7 FREE ATM Transactions Monthly1
  • Rising Interest with Higher Balances
  • No Monthly Service Charge
  • No Minimum Balance
  • Free Box of Checks3
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Student Checking

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Let Us Take Some Stress Out of Being a Student.

We understand you have a lot on your plate. Let us lighten the load. With your Student Checking account, you can manage your money without the extra stress. Available for young adults ages 12-24 who are full-time students.

Student Checking Features:

  • No Minimum Balance
  • No Direct Deposit Required
  • 7 FREE ATM Transactions Monthly1
  • Bill Pay

  • 1Other institution fees may still apply. No surcharge at any Money Pass or Alliance One ATMs.
    2Must qualify. HI Checking earns 1.85% APY on balances between one penny and $10,000, 0.05% APY paid on all amounts above $10,000, and ATM refunds up to $15 when the four requirements are met each month. If the requirements are not met, your account will still function as a free checking account; however, you will not receive interest or ATM refunds for that month. The merchant determines how your debit card transactions are processed. APY is variable and may change after account opening. The annual percentage yield is effective 10/01/2022. No minimum balance required to open or earn the APY. No monthly service charge. Only one HI Checking account per member. Federally insured by NCUA.
    3Account holder receives one box annually or $7 credit for checks of their choice.

Current checking account rates

Account Types Tiers Dividend Rate APY
HI Checking (Base, if you don't meet the monthly requirements) 0.00% 0.00%
(Bonus Rate $0.01-$10,000.00) 1.833% 1.85%
(Bonus Rate over $10,000.00) 0.050% 0.05%
Timeless checking ($0.01-$999.99) 0.050% 0.05%
($1,000.00-$9,999.99) 0.050% 0.05%
($10,000.00-$24,999.99) 0.100% 0.10%
($25,000.00 and higher) 0.150% 0.15%