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Advantage Checking

Designed for those looking for freedom from minimum balance requirements, monthly maintenance fees but seek to earn a little bit on their money. All checking accounts come with the convenience of 24/7 on-the-go management tools via our mobile banking app with Zelle®, online banking, eStatements and Bill Payment. Plus, use the power of your debit card or digital wallet (Apple Pay, Google Pay or Samsung Pay) to purchase items anywhere Visa is accepted.


Fast and easy payments – and it’s free in our app!* Send and receive money with friends and family using Zelle®.

Getting started is easy.

  1. Log into the Prince George's Community Federal Credit Union app.
  2. In the main menu, select "Transfer and Pay".
  3. Select "Send Money with Zelle®".
  4. Enroll your U.S. mobile number or email address.
  5. Send money to family and friends.

*Terms and conditions apply. The Zelle® related marks are used under license from Early Warning Services, LLC.

          Check out Zelle®

                                  ZELLE® Q&A
Find resources and fraud prevention tips..

Checking Benefits

Minimum Balance$0.00$0.00
Monthly MaintenanceNoneNone
Earn Dividends Checked Checked
Online ChecksCheckedChecked
On-the-Go Services
Online Banking, Mobile Banking, eStatements, Bill Payment**
Remote Deposit CaptureCheckedChecked
Digital Wallet (Apple Pay, Google Pay, Samsung Pay)CheckedChecked




*Free at proprietary and Allpoint Surcharge & CO-OP ATMs worldwide. **Free for members with Online Banking, Direct deposit, Audio Teller, eStatements and a Visa Debit card. Fee Schedule. Report Fraud.

What else should I consider?

Direct Deposit

Direct deposit is any regularly scheduled payment – like salary, retirement and pension payments, interest payments, Social Security, SSI and government payments – that can be electronically deposited automatically into your checking, savings, or money market account. After these funds are deposited, you can distribute money among your savings and loan accounts. To get started: Request forms from your employer, government agency or other agencies that currently issue you a check. You can also complete our Direct Deposit enrollment form, and submit it to your employer or other non-governmental agency along with a voided check from your Prince George's Community Federal Credit Union account.

Automatic Transfers

This type of transfer gives you the convenience of moving money around to various accounts on a set schedule. Set up automatic transfers to any account through online or mobile banking.

  • Safe. No risk of stolen checks or forgeries. Helps protect against identity theft.
  • Easy and reliable. Funds are automatically deposited directly into your account on your scheduled pay dates. No need to deposit in person.
  • Fast. Withdraw funds to use immediately the same day they’re automatically deposited.

Personal Line of Credit with Overdraft Protection

Continually access funds up to your credit limit, without ever re-applying. This product also offers the benefit of overdraft protection on your checking account. You never have to worry about the hassles of overdrawn funds in your checking account again. To use your funds, simply write a check or transfer funds to your checking account.

Courtesy Pay

Avoid the expense and embarrassment of an overdraft from your checking account with our Courtesy Pay service. Unlike a Personal Line of Credit, Courtesy Pay provides Members in good standing the ability to overdraw their personal checking account up to their Courtesy Pay limit.* Courtesy Pay covers checks, ACH, ATM and in-personal withdrawals, debit card transactions and even Bill Pay transactions. Simply pay a $30 fee for each drafted item and repay the advanced funds within 30 days. Courtesy Pay is a privilege extended to qualified Members 60 days after opening a checking account. If you choose to not use any of our overdraft protection services, your transaction could be denied due to insufficient funds. To learn more and add this protection to your account, contact a Member Service Representative today! 

*Terms and conditions apply. Click here for details.

Keeping You in the Know

  • Emergency Funds
  • 50/30/20 Rule
  • Meet Your 401(k)

Emergency Funds

3 Min Read

One of the most effective tools for preventing a large-scale financial disaster is an emergency fund…

Learn about Emergency Funds

50/30/20 Rule

7 Min Read

The 50/30/20 rule is a simple, practical rule of thumb for individuals who want a budget that is easy, yet effective, to implement…

How to Set Your New Budget

Meet Your 401(k)

3 Min Read

Even if you’re just starting your first real job—actually, especially if you’re just starting your first real job—it’s time to start thinking about retiring…

How to Plan for Retirement

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Prince George's Community Federal Credit Union does not provide, and is not responsible for, the product, service, or overall website content available at a 3rd party site. We do not endorse the information, content, presentation, or accuracy nor makes any warranty, express or implied, regarding any external site. Our privacy policies do not apply to linked websites.

You should consult the privacy disclosures on any linked site for further information. Thank you for visiting our website.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

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