Imagine Checking With Partners Financial

Take advantage of premium rates, no monthly fees and ATM reimbursements with Imagine Checking and Savings accounts.

Apply Now

Does your checking account reward you? If not, make the switch today and earn 0.65% APY* on account balances up to $10,000. Just meet a few simple qualifications to earn premium interest and nationwide ATM refunds. Get started today with Partners Financial FCU.

  • No monthly fees
  • No minimum balance requirement
  • Reimburse ATM fees nationwide
  • Free online and mobile banking

Imagine Checking


on balances up to $10,000


if qualifications are not met

Call us at 804-649-2957 or apply easily online to open an Imagine Checking account today.

Imagine Checking Account Qualifications

Sign up and save with the Imagine Checking account. Make sure you stay qualified to enjoy all the benefits of high-interest checking and savings throughout each qualification cycle.

Qualification Cycle Requirements

  • Have at least 10 debit card purchases that post and settle
  • Have at least 1 direct deposit or automatic payment (ACH) post and settle
  • Be enrolled and login to online banking
  • Be enrolled and receive eStatement notice

*See disclosure for details

Apply Today

Checking Account Resources

As you prepare for opening an Imagine Checking account, browse through these FAQs to help guide you.

Learn more about our rewards checking account options to identify which type of account is right for you and your finances.

Frequently Asked Questions

Q: How do I check my balance?

A: Partners Financial offers free online banking and mobile banking with 24-hour access to your account information.

Q: What happens if I don’t meet the qualifications one cycle?

A: If there’s a cycle you don’t meet the qualifications, don’t worry, there’s no penalty and you still have a free checking account that earns a base annual percentage yield.

Plus, the next cycle you qualify you’ll be back to earning huge interest and receiving ATM fee refunds. If you fail to meet the minimum qualifications for six consecutive cycles or six cycles out of twelve cycles, your account will be converted to a Classic Checking account.

Q: Is Imagine Checking and Imagine Savings insured?

A: Yes. Imagine Checking and Imagine Savings are insured by the NCUA up to the current NCUA insurance limits.

Q: What is my qualification cycle?

A: Your qualification cycle is your last calendar day of the prior month through the next to last calendar day of the current month.

Didn’t find the answer you were looking for? Please contact one of our Member Service Representatives today or visit one of our four branch locations for full details.

Imagine Savings

Save more when you pair an Imagine Savings account with your Imagine Checking account. As these two accounts work together, your savings will be fed by the high interest you earn with Imagine Checking.

The interest you earn will automatically go into a savings account where you earn 0.25% APY on balances up to $10,000.

  • Minimum balance of $5
  • Savings balance earns high interest
  • Free online & mobile banking
  • Reimbursement on ATM fees

Imagine Savings


on balances up to $10,000


if qualifications are not met

Apply Now

Open An Imagine Checking & Savings Account Today

Take advantage of premium rates that reward you as you purchase. Enjoy no monthly fees, ATM reimbursements and free online and mobile banking for a better banking experience.

Apply easily online or contact us for more information.

To begin your Imagine Checking account, please fill out the fields in the form below. One of our representatives will contact you within one business day to set up a convenient time for you to come in to a branch location to complete the application process.

    Are you a new member? (*)

    How would you prefer to be contacted? (*)

    When is the best time to arrange an appointment? (*)

    In which area do you live, work, worship, attend school or volunteer? (*)

    Use residential address for mailing address? (*)

    Number of Joint Owners on this Account (*)

    *APY=Annual Percentage Yield. APYs accurate as of 3/31/2015. Rates may change after account is opened. Minimum to open is $25 for Imagine Checking and $5 for Imagine Savings. 

    For Imagine Checking, if qualifications are met each qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 0.65%; and (3) balances over $10,000 earn 0.15% interest rate on the portion of the balance over $10,000, resulting in 0.65% – 0.15% APY depending on the balance. If qualifications are not met on Imagine Checking all balances earn 0.05% APY. 

    Qualifying transactions must post to and settle Imagine Checking account during qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Qualification Cycle” means last calendar day of prior month through next to last calendar day of the current month. 

    The advertised Imagine Checking APY is based on compounding interest. Interest earned in Imagine Checking is automatically transferred to Imagine Savings each statement cycle and does not compound. Actual interest amount paid may be less than advertised Imagine Checking APY. The Imagine Savings APYs may be less than Imagine Checking APYs. If qualifications in Imagine Checking are met each monthly qualification cycle: (1) balances up to $10,000 in Imagine Savings receive an APY of 0.25%; and (2) balances over $10,000 in Imagine Savings earn 0.15% interest rate on portion of balance over $10,000, resulting in 0.65% – 0.15% APY depending on the balance. If qualifications are not met on Imagine Checking, all balances in Imagine Savings earn 0.05% APY.

    You are leaving the Partners FFCU website and will be linked to an alternate Internet site not operated by the credit union. Partners FFCU is not responsible for the content of the alternate Internet website. Partners FFCU does not represent either the third party or you if the two of you enter into a transaction. Please be aware that privacy and security policies on the website to which you are being taken may differ from those practiced by Partners FFCU.

    A $15. Convenience fee will be automatically added to your payment amount. Your maximum total payment amount (including the $15 convenience fee) cannot exceed $800. Payments initiated and approved by 3:00pm will be applied to your loan on the same business day. Payments initiated and approved after 3:00pm, or on a day that the credit union is closed (weekends and holidays), will be applied on the next business day. If you have a PFFCU debit card, please log into home banking to make your loan payment.

    Please select OK to confirm and continue to the payment form.

    Excludes mortgages and home equity lines of credit. A $25 fee is due at set-up for each loan. Loan must have been open for at least 6 months. Past due accounts do not qualify. One skip-a-pay allowed per calendar year (Jan-Dec).