We have the right checking account for your everyday banking needs.  With a Union Pacific “A Division of Pacific Transportation Federal Credit Union’s” Checking Account you have online access, free Direct Deposit, and your money will always be nearby with 30,000 surcharge-free ATMs.


  • No monthly charge
  • $25 minimum opening deposit
  • No minimum balance requirement
  • Overdraft Protection available
  • Free Home Banking
  • Free Debit Card
  • 30,000 surcharge-free CO-OP Network ATMs
  • Free Direct Deposit

UPCU Routing Number: 322079463