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FDIC-Insured – Backed by the full faith and credit of the U.S. Government
FDIC-Insured – Backed by the full faith and credit of the U.S. Government
Checking Accounts
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Zero-Fee ATM Access Across the Globe.

Say goodbye to ATM fees when you bank with Piedmont Federal. Any ATM, anywhere in the world.
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No ATM Fees
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Mobile App
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Debit Card
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Zelle
Feature rich with a client-first experience.
  • Free ATMs Worldwide
  • Online Banking
  • Mobile Deposit
  • Bill Pay
  • Overdraft Protection
  • Transfer Funds
  • eStatements
  • Make$ense
  • CardValet®
  • Credit Sense
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Piedmont Federal Debit Card
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Online Banking

24-hour financial services from anywhere in the world.

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Make$ents

The only bank that matches 15% of the debit card round-up amount.

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UChoose Rewards®

Earn rewards by using your Debit Card for all your purchases.

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Credit Sense

Protect and manage your credit with credit scores, credit reports and more.

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Smart Start for Students

At Piedmont Federal, we want to open the door for you as you begin your banking journey! Start experiencing the perks of Piedmont Federal today!

No Monthly Fees, themed Debit Card**, financial rewards and more!
Visit A Location
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Piedmont Federal Mobile App
Tap into a better banking experience.
  • Faster Account Access
  • Easier Check Deposits
  • Transfer Funds
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Piedmont Federal Mobile App
Tap into a better banking experience.
  • Faster Account Access
  • Easier Check Deposits
  • Made for Mobile
Apple App StoreGoogle Play
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PFBoost
checkless banking
Minimum Opening Balance : $20 or $0 with Direct Deposit
Monthly Fee: $4
  • Mobile Banking
  • Paper or eStatements
  • Make$ents
  • UChoose Rewards®
Open Account
PFFree 1
free checking
$50 Minimum Opening Balance
No Monthly Fees
  • Unlimited Check Writing
  • Mobile Banking
  • eStatements
  • Make$ents
  • UChoose Rewards®
  • Earns Interest
Open Account
PFClassic
Traditional
$100 Minimum Opening Balance
Monthly Fee: $10 or $0 2
  • Unlimited Check Writing
  • Mobile Banking
  • eStatements
  • Make$ents
  • UChoose Rewards®
  • Earns Interest
Free first order of standard checks, 40% discount on standard check orders if you are age 55+
Open Account

2 No monthly fee when you meet one of the following requirements each statement cycle:

  • Maintain a $100 average daily balance
  • Maintain a minimum balance of $2,500 in Piedmont Federal deposit accounts
  • Conduct 25 or more debit card purchase transactions

Otherwise, $20 Monthly Fee

PFPinnacle
Relationship + rewards
$100 Minimum Opening Balance
Monthly Fee: $20 or $0 3
  • Mobile Banking
  • No Gift Card Purchase Fee
  • 40% Safe Deposit Box Discount 4
  • No Annual Fee Visa Credit Card 5
  • eStatements
  • Make$ents
  • UChoose Rewards®
  • Earns Interest
Two Free orders of standard checks or 40% discount on custom checks.
Open Account

3 No monthly fee when you meet one of the following requirements each statement cycle:

  • Maintain a minimum balance of $10,000 in Piedmont Federal deposit accounts
  • Have a Piedmont Federal Mortgage with a balance
  • Have a Piedmont Federal Home Equity Line of Credit with a balance of $10,000 or more

Otherwise, $20 Monthly Fee

SmartStart
Student checking 6
$20 Minimum Opening Balance
No Monthly Fee
  • Themed Debit Card 7
  • Financial Education Rewards Program 8
  • Free Budgeting Tools
  • Free Credit Building Tips
  • eStatements
Ages 13-17 need to visit one of our local branches to open the account.
Visit A Location
Products and Services Fee Schedule (PDF)

1 No Monthly Fees: Standard nonsufficient funds still apply.

2 PFClassic Checking Account: No monthly fee when you meet one of the following requirements each statement cycle:

• Maintain a $100 average daily balance
• Maintain a minimum balance of $2,500 in Piedmont Federal deposit accounts
• Conduct 25 or more debit card purchase transactions.

Otherwise, $10 Monthly Fee

3 PFPinnacle Checking Account: No monthly maintenance fee when you meet one of the following requirements each statement cycle:

• Maintain a minimum balance of $10,000 in Piedmont Federal deposit accounts
• Have a Piedmont Federal Mortgage with a balance
• Have a Piedmont Federal Home Equity Line of Credit with a balance of $10,000 or more.

Otherwise, $20 Monthly Fee

4
Based on availability
5 Subject to Credit Approval

Smart Start Student Checking

6 Account eligible for ages 13-23. Account holders aged 13-17 must be joint with a parent or guardian. Account will be changed from the Student Smart Start Checking to a PFFree Account upon 24th birthday of qualifying client.

7 Only applies to instant issue debit cards – Ask your banker for more information.
8 Must complete Banzai course with at least a score of an 80% to qualify; can only participate in each course one time.