Checking Accounts

Get What You Want, When You Need It

Benefits

  • FREE Checking
  • Earn money for using your debit card
  • Competitive dividends
  • Overdraft protection Available
  • Free Pathways debit card with unlimited usage
  • Free first box of checks
  • Direct deposit
  • Unlimited transactions
  • Free online banking & bill pay
  • Free mobile & text banking
  • Free e-statements
  • Account e-alerts & text alerts
  • Insured up to $500,000
  • $10 Grace
View Rates

Checking Accounts Rates

Account Type
Min to Open / Earn Dividends
Rate
APY
Premier Checking
$250.00
0.05%
0.05%
Swipe2save Savings ( >$2,500)
$0.00
0.08%
0.08%
Swipe2save Savings ( < $2,500)
$0.00
5.00%
5.00%

*APY = Annual Percentage Yield. Swipe2Save Secondary Savings Account balances $2,500 and under will earn 5.00% APY compounded and credited quarterly; balances exceeding $2,500 will earn regular Secondary Savings APY. Consult the Credit Union’s Account Disclosure Rate Supplement for current APY. Six month Credit Union match valid for new checking accounts only. Maximum match amount $50 per month for the first six months; match ends six months after checking account opening. Round-up deposits will not be made in the instance of a negative checking account balance. The only deposits permitted into Swipe2Save Secondary Savings Account are round-up deposits from debit card transactions and applicable credit union match funds. Accounts insured up to $500,000 through a combination of federal insurance provided by the National Credit Union Administration (NCUA) for $250,000 and private insurance provided by Excess Share Insurance (ESI) for an additional $250,000. Savings rates subject to change without notice.

To obtain additional rate information, contact our Member Services department at 614-416-7588 or click here to visit our consolidated Rates page for additional information.

Account Descriptions

Account Type
Additional Information
Swipe2Save Checking

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Our Swipe2Save Checking Account rewards you for making everyday debit card transactions.

Here’s how it works:

Step 1 – For every purchase you make with your debit card, Pathways will round up the amount to the nearest dollar and deposit the difference into your Swipe2Save Savings Account. Rounding up transactions to whole numbers makes account balancing a breeze!

Step 2 – Pathways matches your rounded-up amounts penny-for-penny up to $50/month for the first 6 months.

Step 3 – Your savings really add up – the Swipe2Save Savings Account connected to your checking earns an unbeatable 5.00% APY*

Step 4 – After the first 6-months the Pathways match ends, but you continue to have all debit card transactions rounded up to your high-yield Swipe2Save Savings Account

Check out the video below for more on how Swipe2Save works!

 

Premier Checking


Checking without fees is more than a perk. It’s your right.

Pathways Financial Credit Union is proud to be one of the few financial institutions still offering FREE checking!  While the “big banks” are finding new ways to sneak in fees and service charges, we’re always working to find ways to save you money.

That’s why free checking has always been a given at Pathways.  There are no special requirements or limited-time promotional periods.  No maintenance fees or minimum balance fees ever.  For every member.  All the time.

Other Perks

  • Unlimited transactions
  • Dividends paid on average daily balances of $250 or more
  • Premier Overdraft Privilege Protection
  • First 50 checks – FREE (2 packs of 25 each)
  • Free and unlimited usage of your debit card at Pathways ATMs*
  • Added benefits when you reach age 55 – Free basic checks (one box of 100 wallet duplicate checks, or one box of 120 single checks – per year), free corporate drafts/cashiers checks, free phone transfers.

All Pathways checking accounts include the following at no cost:

  • Pathways debit card
  • Online banking & bill pay
  • Mobile & text banking
  • Account E-Alerts & text alerts
  • Direct deposit

Exercise your right to free checking now by opening an account today.  If you currently bank with Pathways, you can open your new checking account at your nearest branch or by clicking the Apply Today button on the right

Fresh Start Checking

At Pathways, our mission is to be a trusted financial partner for our members no matter where they are on their path to financial freedom.  Sometimes that path includes getting back on your feet, which is why we are pleased to offer a Fresh Start Checking account for members who have that goal in mind.

Our Fresh Start Checking is designed for members who do not qualify for a traditional checking account.  In addition, this account provides members with an opportunity to regain access to affordable mainstream banking services.

Fresh Start Checking features:

  • No minimum balance requirements
  • Unlimited transactions
  • Low $7.00 monthly service fee
  • Free and unlimited usage of Pathways ATMs*
  • Opportunity to upgrade to Premier Checking after 12 months**

All Pathways checking accounts include: 

  • Pathways debit card
  • Online banking & bill pay
  • Mobile & text banking
  • Account E-Alerts
  • Direct Deposit

Open an account at your nearest branch today!

Featured Product Reviews

Average Rating: 5.0 stars

  • ‎Rodney H.

    Verified Member

    Savings Accounts

    "The best bank I've been to. 15 year vet."

  • Linda B.

    Verified Member

    Checking Accounts

    "Love the Swipe2Save feature! Free money and extra savings just for doing what I already do - use my debit card!"

  • Trisha C.

    Verified Member

    Checking Accounts

    "Been a member of this credit union since it was on Dublin Rd, and called the Big Bear credit union! My household has six memberships, my two oldest just opened checking accounts. I feel connected even though my banking is done online, love the bill pay and paying on my car loan is so easy. I know if I have any questions I can just pick up the phone and friendly staff is there to help."

  • Casey E.

    Verified Member

    Checking Accounts

    "I love Swipe2Save! It makes saving money so easy."

  • Theresa C

    Verified Member

    Checking Accounts

    "Great!"

  • Deanna B.

    Verified Member

    Checking Accounts

    "The Swipe2Save checking account is great! Super easy way to save some additional money!"