Picatinny Free Checking Account Go Further with Free Checking

At Picatinny Federal Credit Union, we want Morris County to manage their money, their way. PFCU offers all members truly free checking, with no minimum balance or monthly fees.+ Don’t pay to access your money, do more with fewer fees and treat yourself.

As a member, you’ll benefit from:

  • $150* when you choose direct deposit
  • No Minimum Balance
  • No Fees+
  • Mobile Check Deposit
  • Mobile and online banking
  • Free Online Bill Pay
  • 55,000 surcharge-free ATMs
  • Customizable Instant Issue Debit Card
  • Your money Federally Insured by the National Credit Union Administration (NCUA)
  • Card Valet to protect your Debit Card and Credit Cards from fraud, overspending and more
  • Free Checking With No Minimum Balance Requirement
  • 55,000 Surcharge-Free ATMs Worldwide
  • Easy access to your money anytime with online and mobile banking
  • Card Valet to protect your Debit Card and Credit Cards from fraud, overspending and more

Friends hiking by river


Why join a Credit Union?

A Credit Union doesn’t have shareholders, so we focus on our members (you). That means no Wall Street. We re-invest our profits to provide you with better rates, lower fees, and more convenient services.

Can I join?

Yes! If you live, work, worship or go to school in Morris County, you can join! We invite residents of Morris County, and those commuting from neighboring counties to Morris County for work, school or places of worship to join thousands of people that are getting more for their money and reaching their financial goals faster.


Open a Free Checking Account Today!

Bank your way with Morris County’s credit union

Open an Account

Federally insured by NCUA. New members must open a Savings Account with a minimum deposit of $5. *To qualify for the $150 cash reward, you must open a new Checking Account and initiate a repeating Direct Deposit of at least $500 a month from an employer, social security or pension into the account. The first Direct Deposit must be initiated within the first 60 days of account opening. The $150 Cash Reward will be deposited into the Savings Account within the first 90 days of account opening. Checking account must remain open for 6 months. Offer subject to approval by Credit Union. Cash Reward is considered interest and will be reported on IRS form 1099-INT. +eStatements are available in online banking free of charge. Members who use online banking and choose to receive a paper statement, will incur a $5.00 monthly statement fee.