FDIC Logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Online Banking

Routing Number 231374916

FDIC Logo

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Discover the Benefits of Personal Checking Accounts at Phoenixville Federal Bank & Trust

Phoenixville Federal Bank and Trust is dedicated to providing exceptional banking services to those in Chester and Montgomery County, PA. Among our offerings, personal checking stands out as an essential service for managing day-to-day finances. With various options, including free checking accounts and interest-bearing checking accounts, there’s a solution tailored to every individual’s needs.

To earn higher interest, will you always keep more than $2,500 in your account?

Will anyone 50 or older be a signer on the account?​

Start Again
Back

Does anyone plan to have direct deposit or an automatic payment with this account?

Start Again
Back

Features

Every new Phoenixville Federal Checking Account includes FREE:

  • Debit Card With No ATM Fees – Anywhere!
  • Online Banking & Bill Pay 
  • Mobile Banking & Check Deposit
  • Return of Check Images
  • Thank You Gift
  • Money for Your Old Checks & Debit Card

Refer to the Deposit Rate page for Annual Percentage Yields (APYs) applicable to checking accounts. No time requirement, just a minimum opening balance of $25 required to obtain Thank You gift. Gift is provided at time of account opening. If account is opened online, gift is provided when customer comes to the branch to claim it.

Premium Interest Checking

An account for those interested in higher interest! 

  • FREE personalized checks 
  • Higher interest rate with a balance over $2,500 
  • Competitive interest on balances $2,500 and under 
  • No per-check charge 
  • Only $8 monthly charge if the balance falls below $1,000

50 N’ Better Free Interest Checking

Free checking for customers 50 and over!

  • FREE personalized checks
  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • No per check charge

Direct Free Interest Checking

Free checking with the convenience of direct deposit!

  • Competitive interest
  • No minimum balance
  • No monthly service charge
  • No per check charge

Absolutely Free Checking

A free account for everyone!

  • No minimum balance
  • No monthly service charge
  • No per check charge

Maximize Your Earnings With High-Interest Checking Accounts

If you’re looking to grow your money while retaining easy access to your funds, consider opening a high-interest checking account with Phoenixville Federal. These accounts are designed for customers who maintain higher balances and want to earn competitive interest rates on their deposits. By choosing this option, you can enjoy the convenience of a personal checking account while reaping the benefits of making more on your money.

Experience the Convenience of Free Checking Accounts

For customers seeking a no-frills option without sacrificing quality, Phoenixville Federal offers free checking accounts. These accounts provide all the essential features needed to manage your money without the added burden of monthly fees or minimum balance requirements. Equipped with online banking capabilities, you’ll enjoy a seamless banking experience while avoiding unnecessary costs. 

Trust in Personalized Service from a Local Institution

When you choose Phoenixville Federal for your personal checking needs, you’re not only choosing a bank account—you’re building a relationship with a community-focused financial institution that genuinely cares about its customers. As your reliable partner serving the Chester and Montgomery County, PA areas, Phoenixville Federal is committed to providing personalized attention, expert advice, and world-class customer service to help you achieve your financial goals.

Explore Your Banking Options Today

Whether you need a free checking account or a high-interest checking option, Phoenixville Federal is ready to assist you in finding the perfect fit for your financial needs. Visit one of our local branches or explore our website to learn more about our personal checking account services and experience the difference community banking can make in your life.

Login