No-Fee Checking Accounts

With a Priority Plus FCU checking account you can write an unlimited number of checks and take your available balance down to $0.00 without paying a fee.

  • No minimum balance requirement
  • No monthly service fee
  • FREE 1st check order with direct deposit
  • FREE online and mobile banking
  • FREE online bill pay
  • FREE mobile deposit
  • Wide variety of check styles!

Accounts are federally insured by the National Credit Union Share Insurance Fund up to $250,000.00 per account.

Your first set of checks free through Priority Plus when you set up direct deposit — plus get duplicates at no additional cost!

Reorder Checks from Harland Clarke/Liberty

Visa Debit Card

This easy and convenient card allows you to access your checking account at millions of merchants and ATMs worldwide. Use your Visa Debit Card in place of writing a check for purchases.

Need a replacement card? Contact us to request a new card.

Surcharge-Free ATM Locations

Priority Plus members can access accounts and withdrawal cash at WaWa and Royal Farms ATMs for free! Additionally, postal employees have access to a surcharge-free ATM at the USPS facility at 147 Quigley Blvd.

Apply by Mail, Fax or In Person:

If you’re not yet a member, use our Switch Kit to help you quickly update your savings and checking to Priority Plus.

Otherwise, current members should:

  1. Print an Account Change Form
  2. Complete and Sign
  3. Mail, Fax or Visit:

Priority Plus Federal Credit Union
6 Lynam Street
Wilmington, DE 19804
302-633-6481 (fax)

Save Time with Direct Deposit & Automatic Transfers

Have your paycheck electronically deposited directly from your employer for faster access to your funds. Save more time by setting up Automatic Transfers to allocate your deposit each month to your savings, checking and credit union loans.

USPS Employees: Early Bird PayDay Checking

The early bird catches the worm and early payday can allow you to take care of your business BEFORE the weekend. If you are a United States Postal Service Employee and have your paycheck Direct Deposited to your Priority Plus account then you get paid BEFORE Postal Payday on Fridays! Priority Plus wants to help you get your bills in order before the weekend hustle bustle, so we are now offering Early Bird Payday Checking!

Overdraft Protection

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account that link your savings account to cover authorized transaction with a $3 overdraft fee.
  2. We also offer the option to overdraft your account for ATM authorizations. If you DO authorize us, then we may pay at our discretion any ATM or debit card transaction that is processed when you do not have adequate funds in your account. This will create an overdraft, and you may be charged a $25.00 fee.

We DO authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We DO NOT authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we DO NOT GUARANTEE that we will always authorize and pay any type of transaction. If we DO NOT authorize and pay an overdraft, your transaction will be declined.

  • This is the best federal credit union that I know. I will tell anyone and everyone about Priority Plus. The service is excellent – please come check it out!

    — Diana T. May 14, 2021
  • The service is great and the staff is very accommodating. Thank you [Priority Plus] for being here for me!

    — Sakeenah S. February 25, 2022
  • The online banking and mobile app are great! Fast and simple fingerprint access. Highly recommend!

    — Frederick C. June 10, 2022
  • Wonderful people, helpful and quick to respond. Great online services!

    — Melanie Jianniney December 9, 2016
  • I knew I made a great decision because the employees were the friendliest and most knowledgeable people I have met. I had nothing but a positive experience with them during my time in Wilmington.

    — Norwood August 29, 2013
  • I was impressed with the competitive interest rate they offered for my car loan. They beat out the big guys! ... They provide excellent customer service that's very well personalized and professional.

    — Missy White July 7, 2013