Last Updated: 01/21/2026
Proponent Federal Credit Union Platinum Checking Account
Unaffiliated
Last Updated: 01/21/2026
No Reviews Yet
This product has no reviews yet. Help others by sharing your thoughts.
Be the first to rateCommunity Recommended Products
View AllSponsored
Strongly recommended105 Reviews
Learn MoreSponsored
Strongly recommended148 Reviews
Learn MoreSponsored
Strongly recommended42 Reviews
Learn MoreCompare All Checking Accounts
Filter & compare all your options in one place.
Highlights
Welcome Offer
N/A
Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.20%(Verified 06/21/2024)
Monthly Maintenance Fee
$20(Verified 01/21/2026)
Proponent Federal Credit Union Platinum Checking Account Review
The Proponent Federal Credit Union Platinum Checking Account is offered by Proponent Federal Credit Union, a credit union founded in 1971 and based in Nutley, NJ. Proponent Federal Credit Union Platinum Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Higher than average APY. Proponent Federal Credit Union Platinum Checking Account has an annual percentage yield of up to 0.20%, which is higher than the national average interest rate on savings accounts.
- Charges a monthly fee. This account charges a monthly fee of $20.00, but the fee may be waived if you keep a minimum balance of$7,500.00.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Proponent Federal Credit Union Platinum Checking Account does not charge fees on ATM transactions .
- Up to $8.00 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
Proponent Federal Credit Union Platinum Checking Account Pros & Cons
| Pros | Cons |
|
|
Proponent Federal Credit Union Platinum Checking Account FAQ
Are checking accounts from Proponent Federal Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Proponent Federal Credit Union Platinum Checking Account offer?
Proponent Federal Credit Union Platinum Checking Account offers an APY starting at 0.05% and ranging up to 0.20% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 0.20% |
What are the account minimums for Proponent Federal Credit Union Platinum Checking Account?
Proponent Federal Credit Union Platinum Checking Account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $7,500.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Proponent Federal Credit Union Platinum Checking Account charge?
This account charges a monthly maintenance fee each statement cycle of $20.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Maintenance Fee | $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $5.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $10.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $7.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $35.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1.0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $30.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $15.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Reimbursement Monthly Limit | Starting at $8.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Proponent Federal Credit Union Platinum Checking Account charge overdraft fees?
Yes, Proponent Federal Credit Union Platinum Checking Account charges a $35.00 fee for every overdraft.What features and perks does Proponent Federal Credit Union Platinum Checking Account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees up to a monthly maximum of $8.00.
- Mobile Banking Services - Proponent Federal Credit Union Platinum Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks* in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for Proponent Federal Credit Union Platinum Checking Account?
The customer support email for Proponent Federal Credit Union Platinum Checking Account is membershipmatters@profcu.org.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
SundayClosedMonday9:00AM - 5:00PMTuesday9:00AM - 5:00PMWednesday9:00AM - 5:00PMThursday9:00AM - 5:00PMFriday9:00AM - 5:00PMSaturdayClosed
Other Services by Proponent Federal Credit Union
Auto Loan Refinancing
Be the first to rate
Other Checking Accounts from Proponent Federal Credit Union
Rating not yet determined
Bonus Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.00%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
SuperMoney Net Recommendation Score
This product has no reviews yet. Help others by sharing your thoughts.
0
-1000+100
No one recommends
Everyone recommends
Proponent Federal Credit Union Platinum Checking Account Community Reviews
Would you recommend Proponent Federal Credit Union Platinum Checking Account to your friends?
There are currently no reviews.
You might also like
Best Checking Accounts
SuperMoney
Checking and Savings Accounts: How To Make Them Work Together
Audrey Henderson
Opening a Joint Account: The Definitive Guide
Jessica Walrack
SIPC Crushes Robinhood's Checking & Savings Account
Heather Popovic
Traveler's Checks Alternatives: The Definitive Guide
Jessica Walrack