Do you have to have a bank account to join

Yes

Hey Sarah, thanks for your interest in PF. Yes, you would need a bank account to join our club. We require an Electronic Funds Transfer (EFT) through checking accounts for your convenience: This allows us to be able to continue your membership without interruption or the hassle of updating your payment information if your credit cards are lost/stolen, invalid, or expired. Rest assured, you won't be sharing any more information than what's contained in a normal check. We hope to see you soon.