Park Community Credit Union - Checking Accounts

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.

Plus, by choosing a Kosair Charities, Kentucky Humane Society, or Lexington Humane Society debit card design, you’re helping us give back to the community.

Regular Checking

Don’t worry about ATM transaction fees again with a Regular Checking Account.

We’ll reimburse 7 of those transaction fees because it’s your money after all. The account is free as well, if you have a Park Community loan, or maintain a minimum daily combined balance of $200. Regular Checking also features:

  • No Direct Deposit required
  • FREE unlimited bill pay
  • Unlimited check writing
  • 7 Free Out-of-Network ATM Transactions*
  • Rewards Debit Card

HI Checking

Earn interest and ATM refunds with a High Interest Checking Account

A free, interest-bearing account offering higher interest and ATM refunds*, HI Checking is a good choice if you:

  • Make twelve non-PIN-based debit card transactions
  • Have one Direct Deposit into your account
  • Enroll & receive free Electronic Statements (eStatements)
  • Rewards Debit Card
  • Spend $500 or more in non-PIN-based debit card transactions

If you meet the above requirements, HI Checking offers:

  • 1.76% APY^ paid on balances up to $10,000
  • 0.11% APY^ paid on the portion of the balance over $10,000

HI Checking requires no minimum balance. It includes a free debit card, automatic overdraft protection, and free unlimited bill payment.

Freedom Checking

Worry-free checking with unlimited bill payment.

Our Freedom Checking account has no monthly charges with direct deposit or a payroll deduction of $400 or more. It also offers:

  • No minimum balance
  • 7 FREE foreign ATM transactions**
  • Unlimited check writing
  • FREE unlimited bill payment
  • Rewards Debit Card

Timeless Checking

For members 50 or older.

Our Timeless Checking Account rewards our members who are 50 and older with higher interest rates for higher balances, bonus rates on certificates, and these other benefits:

  • Rising interest with higher balances
  • FREE safe deposit box*
  • No monthly service charge
  • No minimum balance
  • Rewards Debit Card
  • 7 FREE ATM transactions**

Student Checking

For students 12 to 24.

Available to members age 12-24 and full-time students, our Student Checking Account requires no minimum balance and comes with a free Park Community Check Card. Also included:

  • No minimum balance
  • No direct deposit requirement
  • Rewards Debit Card
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE Debit/ATM card with unlimited Park Community ATM transactions
  • 7 FREE foreign ATM transactions**
  • FREE Online Banking, eStatements, and DIAL telephone banking
  • FREE unlimited bill pay
  • FREE box of basic Park Community checks annually (member pays shipping and handling)
  • Details

    *Must qualify. HI Checking earns 1.76% APY on balances between one penny and $10,000, 0.11% 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 08.01.16. 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.
    *Safe deposit box available at Fern Valley, Market St., Dixie, Clarksville, New Albany, Blankenbaker, Shepherdsville, Richmond, Douglass Loop, Hikes Point, Forest Springs, and Hillview branches only.  Subject to availability.
    **Other institution fees may still apply. No surcharge at any Republic Bank, Money Pass, or Alliance One ATMs.

Current checking account rates

Account Types
HI Checking
Timeless checking
(Base, if you don't meet the monthly requirements)
(Bonus Rate $0.01-$10,000.00)
(Bonus Rate over $10,000.00)
($25,000.00 and higher)
Dividend Rate

Refer a friend.

Our Park Community Points program is a great way to earn even more rewards! Tell your friends how much you like banking at Park Community Credit Union and you’ll both be rewarded. To easily share your personal multi-use referral code with your friends, choose your communication method (email, Facebook, Twitter, or copy to clipboard) and we’ll do the rest. Each referred friend that opens a new checking will receive 300 points and you’ll receive 350 points!

A community of opportunity.

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