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2nd ChanceChecking

A chance to build a positive checking future.

Account Overview

Let us give you a second chance with our “2nd Chance” Checking Account. If you don’t qualify for a Regular Checking Account, due to a negative “ChexSystems” rating or simply from mismanaging a checking account in the past, here’s your opportunity for a second chance. There is a minimum monthly maintenance fee of $5.00 and the minimum deposit to open your 2nd Chance Checking Account is $50.00. Outstanding balances may be required to be paid in full to qualify for a 2nd Chance Checking. If there are no non-sufficient funds or negative balance activity for (12) months, the 2nd Chance Checking Account may be converted to a Regular Checking Account at the member’s request. Please call us for additional details.

Relationship Building

POPA Relationship Benefits1 is a loan discount program and savings program that you can utilize on your approved loan rate. You can access a rate reduction of up to 0.25% off your approved rate on certain types of loans if you have the following:

Also, if members have full relationship benefits (i.e. direct deposit of $250 minimum or automatic payment), they can earn a 0.10% APY3 increase on a new share certificate as well!


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Open a POPA Checking Account Today!

  1. Online: Complete the Membership Application/Account Agreement
  2. In Person: Mail or bring our membership application pdf into the POPA office nearest you.

Direct Deposit

Get the full effect of experiencing our convenient and value-added products/services with Direct Deposit.

Need Help Balancing Your Checkbook?

Who is Eligible for POPA FCU Membership?

Membership at POPA FCU gives you access to any of our convenient products and services, such as online banking, bill pay, direct deposit, and so much more. You also receive one vote during an election at our annual membership meeting.