Pay with Personality
Your money, your style. Open a Pelican account and choose the debit card that matches your vibe.
Free Stack Checking & Savings Bundle
People who want to earn higher monthly dividends just for using their checking account!
- Earn 4.11% APY on Stack Checking balances up to $20,000
- Earn 2.50% APY on Stack Savings balances up to $50,000
- Unlimited ATM fee refunds
- Get paid one day early3
- Easy monthly qualifications to earn dividends
Free Cash Back & Stack Savings Bundle
People who want to earn cash back while they spend.
- Earn up to $10 per month on debit purchases2
- 2.50% APY on Stack Savings balances up to $50,000
- Get paid one day early3
- Unlimited ATM fee refunds
- Easy monthly qualifications to earn cash back
Simple Spend
Checking made easy!
- No monthly fees or minimums
- No qualifications to meet
- Get paid one day early3
¹Pelican Credit Union membership is required to open a Stack Checking account. To become a member, you must open and maintain the required share account. The par value of one share is $5.00, and one share is required for membership. A minimum deposit of $25.00 is required to open a Stack Checking account. Pelican reserves the right to limit Stack Checking accounts to one per primary account holder Social Security number. Not everyone will qualify to open an account. Stack Checking is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If your average daily balance is $20,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If your average daily balance is greater than $20,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and range of APYs listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. The minimum service requirements include: (1) making 15 debit card point-of-sale purchases that are cleared and posted to your account during the qualification period; ATM transactions do not qualify; (2) having direct deposit, ACH debit, ACH credit, or Bill Pay transaction posted to your Stack Checking account; (3) accessing online banking once during the qualification period; and (4) receiving your monthly statement electronically. If you meet all minimum service requirements during the qualification period, all nationwide ATM fees will be refunded by the second day of the next calendar month. Dividends earned and ATM fees refunded on the Stack Checking account will automatically be transferred to the Stack Savings Share account, if available, during the first week of the next calendar month. If you do not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Checking account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA. Pelican Credit Union membership is required to open a Stack Savings account. Stack Savings is available only to holders of a Stack Checking account. The required membership share account must be opened and maintained in accordance with Pelican’s membership requirements. Pelican reserves the right to limit Stack Savings accounts to one per primary account holder Social Security number. Stack Savings is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If the average daily balance in your Stack Savings account is $150,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If the average daily balance in your Stack Savings account is greater than $150,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If your Stack Checking account does not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Savings account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA.
2Pelican Credit Union membership is required to open a Cash Back account. To become a member, you must open and maintain the required share account. The par value of one share is $5.00, and one share is required for membership. A minimum deposit of $25.00 is required to open a Cash Back account. Not everyone will qualify to open an account. No dividends are paid on this account. However, you may qualify for ATM fee reimbursements and cash back rewards if you meet all minimum service requirements during the qualification period. The minimum service requirements include: (1) making 15 debit card point-of-sale purchases that are cleared and posted to your account during the qualification period; ATM transactions do not qualify; (2) having direct deposit, ACH debit, ACH credit, or Bill Pay transaction posted to your Cash Back account; (3) accessing online banking once during the qualification period; and (4) receiving your monthly statement electronically. If you meet all minimum service requirements during the qualification period, all nationwide ATM fees will be refunded by the second business day following the end of the last day of the statement cycle. Purchases up to $250.00 will receive 4.00% cash back, with a maximum of $10.00 per statement cycle. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month. For complete account terms, limitations, and current fee information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA. Pelican Credit Union membership is required to open a Stack Savings account. Stack Savings is available only to holders of a Stack Checking account. The required membership share account must be opened and maintained in accordance with Pelican’s membership requirements. Pelican reserves the right to limit Stack Savings accounts to one per primary account holder Social Security number. Stack Savings is a tiered-rate account. The dividend rate and Annual Percentage Yield (APY) may change at any time as determined by the Credit Union’s Board of Directors. The dividend rate and APY are the rate and yield as of the last dividend declaration date, which is set forth in the Rate Schedule. If the average daily balance in your Stack Savings account is $150,000.00 or below and your Stack Checking account meets all minimum service requirements during the qualification period, the first dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. If the average daily balance in your Stack Savings account is greater than $150,000.00 and your Stack Checking account meets all minimum service requirements during the qualification period, the second dividend rate and APY listed for this account in the Rate Schedule will apply for the dividend period. Each dividend rate will apply only to that portion of the account balance within each balance range. If your Stack Checking account does not meet all minimum service requirements during the calendar month, the third dividend rate and APY listed in the Rate Schedule will apply to the entire balance in your Stack Savings account. The qualification period is defined as a period beginning on the last day of the prior calendar month and ending on the next-to-last day of the calendar month in which the dividends are paid. For complete account terms, limitations, and current rate information, refer to Pelican’s Truth-in-Savings Disclosure, Rate Schedule, and Schedule of Fees and Charges. Federally insured by NCUA.
3Early Bird Direct Deposit is available for Pelican members with checking or savings accounts that set up direct deposit with their employer or other payroll provider to receive electronic deposits. Pelican will post ACH deposits once received from the Federal Reserve, which can be before the actual effective date. Early posting of deposits is not guaranteed and is dependent on the deposit being received before the effective date. Pending deposits may post up to one day before the date shown in MyPelican. Restrictions and limitations may apply.
4Pelican CU membership and Team Pelican Youth Savings account required to open a checking account for a minor. If you are not a Pelican member, you must be eligible to open a primary savings account with Pelican to become one. The deposit to open a primary savings account starts at a minimum of $15 ($10 to join + $5 minimum balance). A minimum deposit of $25 is required to open Kasasa Cash or Kasasa Cash Back account. Must be 13-17 years of age to qualify. The purchase limit on teen debit cards is set to $500/day, and the ATM limit is set to $105/day. Parent/guardian must be listed as the joint account holder on the account and both names will be listed on the teen’s card. Overdraft Privilege will automatically be turned off and is not permitted on these cards/accounts; an overdraft link to a line of credit, credit card, or savings account is permitted at the parent/guardian’s request. Teens will be asked to provide a photo ID if they have one. The teen MUST sign the membership application in order to be issued a card. Not everyone will qualify. Pelican reserves the right to limit the number of accounts allowed per member, joint or individually.
5Highest attainable grade on the report card pertains to each individual semester-end report card’s grading scale, including A, S (Satisfactory), and (O) Outstanding. Maximum of $35 per semester-end report card for Team Pelican accounts ($5 per A) and $70 per semester if the student also has an active Pelican Teen Checking account ($10 per A). Copy of official semester-end report card required. Report card must list account holder’s name, school name, and date or year to qualify for rewards. Only the student’s most recent semester-end report card will be accepted. Report cards are accepted for either of the major semesters, such as May-end and December-end, or terms, such as spring or fall terms. December-end (or fall term) report cards can be cashed in until February 28 of the following year, and May-end (or spring term) report cards can be cashed in until July 31 of the same year.
6Pelican CU membership eligibility and membership is required to open a Horizon checking account. If you are not a Pelican CU member, you must be eligible to open a primary savings account with Pelican CU to become a member. The deposit to open a primary savings account and become a member starts at $15 ($10 to join + $5 minimum balance). Anyone who has caused the credit union a loss in the past may not qualify for a Horizon checking account. Speak to a Pelican representative for more details.