Special Accounts

Sometimes, a regular checking or savings account just isn’t the right option for you. That’s why we’ve created special accounts to meet the needs of all our members at any age. Our Break Through and Youth Accounts meets the needs of our youngest members -- because their money goals are important, too!

Start Your Financial Journey with Picatinny

Break Through Account

At PFCU, we understand how important it is for college students and young professionals to establish their financial future. That’s why we created the Break Through Account, specifically designed for 16-25 year olds who are ready to take responsibility for their money. To help get you started, we’ll match up to $50* when you open your account.

PFCU also waives two (2) overdraft fees per year (up to $70 savings), because mistakes happen and we’ve got your back. While getting out there on your own can be scary, we want you to know that we’re here for you. That’s why our Member Experience Professionals are available to help you navigate through the process and answer any questions you may have along the way.

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Additionally, Break Through Account members enjoy:

  • FREE checking with no minimum balance
  • A Picatinny savings account
  • Immediate card replacements through Instant Issue debit card if your card is lost or stolen+
  • Free billpay, online, and mobile banking
  • Two (2) free overdraft transfers per month (up to $20 savings)
  • Access to 55,000 surcharge-free ATMs found at places like Walgreens, Target, CVS, etc.
  • 10 free out of network ATM transactions per month++
  • Zelle® for a fast, easy and safe way to send money.
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Youth Account

Starting a savings account at a young age helps children form smart money habits. Get your young saver started with Picatinny’s Youth Account, whether it’s money deposited from a piggy bank or birthday checks from grandma and grandpa. Plus, when you open an account, we’ll match your first deposit, up to $50*.

When you come in to open an account, make sure you have the following:

  • Valid driver’s license
  • A second form of ID
  • Child’s social security card

Open an account online today with the code YOUTH18 or visit us at any of our branch locations to get started saving!

Additional Accounts for Teens

For young teens, the opportunity to manage their money is here at Picatinny Federal Credit Union. With the options below, they can open doors to a bright financial future.

  • Teach your growing teens 16 or older** what it means to save, and spend their own money. Open a joint savings and checking account with a full access debit card issued in their name. The Parent/Guardian must sign the Responsibility for Joint Checking Account/Debit Card with a Minor form at account opening. 
  • Teens 14 or older^ can open a savings account with ATM-only access debit card issued to in the name of the minor. The Parent/Guardian must sign the Responsibility for Joint Saving Account/ATM Debit Card with a Minor form at account opening.  
  • 14 years old^ can open a savings account no debit card with the Parent/Guardian.  

**With proper identification - driver's license or passport
^Acceptable ID - social security card for the minor

Break Through Account: *To qualify for the matching cash reward, you must open a savings account with a minimum deposit of $5. Picatinny Federal Credit Union (PFCU) will match up to $50 of your initial deposit. The matching cash reward will be credited to the new savings account immediately, but will be held for a period of 60 days. The account must remain open for a minimum of 60 days to receive the offer. Cash reward is considered interest and will be reported on IRS form 1099-INT. Contact PFCU for details.

+ Free for any new members requesting a debit card at the point of account opening and for current members that have been notified that their debit card has been deactivated due to fraudulent activity. All other replacement cards will be subject to a $10.00 fee. PFCU reserves the right to reject any image submitted, for the instant issue debit card, for any reason. ++Other financial institution surcharges may apply to ATM transactions. Offer is subject to approval. All offers, terms and conditions are subject to change at any time. Exclusive offer for new Break Through Account only; must be 16-25 years old to qualify for the account. Cash reward is considered interest and will be reported on IRS form 1099-INT. Contact PFCU for details.

*To qualify for the matching cash reward, you must open a savings account with a minimum deposity of $5. Picatinny Federal Credit Union (PFCU) will match up to $50 of your initial deposit. The matching cash reward will be credited to the new account immediately, but will be held for a period of 60 days. The account must remain open for a minimum of 60 days to receive the offer. Cash reward is considered interest and will be reported on IRS form 1099-INT. Contact PFCU for details.

+Free for any new members requesting a debit card at the point of account opening and for current members that have been notified that their debit card has been deactivated due to fraudulent activity. All other replacement cards will be subject to a $10.00 fee. PFCU reserves the right to reject any image submitted, for the instant issue debit card, for any reason.

++Other financial institution surcharges may apply to ATM transactions. Offer is subject to approval. All offers, terms and conditions are subject to change at any time. Exclusive offer for new Break Through Account only; must be 16-25 years old to qualify for the account. Cash reward is considered interest and will be reported on IRS form 1099-INT. Contact PFCU for details.

Youth Account: *To qualify for the matching cash reward you must open a new Savings Account with a minimum deposit of $5. PFCU will match up to $50 of your initial deposit. The matching cash reward will be credited to the new account immediately but will be held for a period of 60 days. Account must remain open for a minimum of 60 days to receive the offer. Offer subject to approval. All offers, terms, and conditions are subject to change at any time. Exclusive offer for new youth accounts only. One offer per new youth account only. Reward is considered interest and will be reported on IRS form 1099-INT. Contact the credit union for details.

Become a Member Today

We are a not-for-profit, full-service financial institution open to anyone who lives, works, worships or goes to school in Morris County. We are proud to offer all the benefits, products, technology, security and convenience of a big bank -- without the big bank headaches, bureaucracy or hidden fees. Join us today!
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