Last Updated: 01/21/2026
Proponent Federal Credit Union Platinum Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.20%(Verified 06/21/2024)
Monthly Service 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
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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 Service 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 checks1 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.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed