If you are paying anything for your checking account, you're paying too much. Switch to PTO FCU and save money. Our checking account has all the benefits that you'd expect nowadays including mobile banking, remote deposit capture and check images with our online teller. With a free checking account you will not encounter any monthly service fees, no per check fee, and no minimum balance requirement! Plus your funds are federally insured up to $250,000 by the National Credit Union Administration.