Ascend Checking

A free checking account that pays dividends.

It's time to elevate your finances. 

Our Ascend Checking is a free checking account with no minimum balance requirement that pays you dividends. Earn 1.45% APY* on balances up to $15,000 by meeting three monthly requirements, enroll in eStatements, make 20 debit card purchases, and have at least one monthly direct deposit of more than $250.

Each month you meet those qualifications, you'll earn dividends. There are no additional fees if you don't meet the dividend requirements. If dividends aren't your priority, this account still provides you with all the great benefits below.

Ascend Checking  Benefits
Deals icon
The opportunity to earn our best checking dividend rate
Dollar icon Completely free checking account
Dollar icon No minimum balance requirements
Phone and card icon Mobile Wallet using Apple Pay™, Google Pay™, or Samsung Pay™. Simply add your debit card to your mobile wallet and contact us to activate it.
Online Banking icon Anytime Account Access
Card icon  Free Debit Mastercard benefits like identity theft protection, zero liability protection, and extended warranty insurance

Do you have a different P1FCU checking account? You can check out our frequently asked questions section about your current account and learn how you can upgrade your account.

We know mistakes happen, that’s why we offer options to protect you from mistakes that may be costly or even embarrassing.

Standard Overdraft

We can link other accounts to your checking account in the instance that funds aren’t available to cover a transaction. This service incurs a $2 transfer fee.

Line of Credit

Use a personal line of credit to have funds available when you need them.

Debit Card Overdraft Protection

Debit Card Overdraft Protection covers your accidental overdrafts so that merchants and credit bureaus will not be notified of overdrafts. For every check or other item that we cover, there is a $25 overdraft fee. 
How do I upgrade my Prime, Preferred, PowerPlus, or Good$ense Account to an Ascend Checking Account?
Upgrading your Prime, Preferred, PowerPlus, or Good$ense Account to an Ascend Checking Account is easy. You can make the change in seconds by chatting with a Member Service Representative here, speaking with one over the phone at 208-746-8900, or in a branch. 
Will my account number or debit card number change if I switch from a Prime, Preferred, PowerPlus, or Good$ense Account to an Ascend Checking?
No, your checking account number, member number, and debit card number will remain the same if you choose to switch to an Ascend Checking. 
If I switch my Preferred, PowerPlus, or Good$ense account to an Ascend Checking account, will I get to keep my current benefits on my existing checking account?
No, if you choose to switch, CardCash, BaZing, and preset dividends will no longer be available. You will be eligible to earn new dividends on your Ascend Checking account by meeting these qualifications* monthly:

  • Enroll in eStatements.
  • Make 20 debit card purchases.
  • Have at least one monthly direct deposit of more than $250. 

Can I still access my P1FCU Points?
Yes, your P1FCU Points will be available to you as long as they have not expired at

Do you offer any other checking accounts?
The only checking account we offer for personal use is the Ascend Checking. If you're looking to open a checking account for your business, we have options for you here.

*Qualifiers to earn interest on Ascend Checking must be enrolled in eStatements with a valid email and have 20 transactions on your Ascend Checking Account debit card, excluding transactions at ATMs and one monthly direct deposit of more than $250. Requirements are calculated for each calendar month. APY=Annual Percentage Yield. 1.45% APY applies to the first $15,000. Balances over $15,000 earn 0.00% APY. If the account requirements are not met, the rate will be 0.00% APY. No minimum balance is required to earn APY. Rates may change after account opening. Fees may reduce earnings. APY accurate as of 08/08/22. Insured by NCUA.