Apply TodayIf you are already a PSECU member, and would like to open a checking account, download our application or contact the PSECU Call Center.
For PSECU Call Center information including telephone numbers and hours of operation, Click Here!
Benefits
View Checks Online If you are a psecu@home user, online check imaging allows you to access copies of your cancelled checks from your home computer. Simply click and print a copy of your check when needed. Should you need us to provide a copy of your cleared check, we'll be happy to supply a copy for a $1 service charge per check. Dividends No minimum balance is required in your PSECU Checking to earn dividends. PSECU uses the average daily balance to calculate dividends. Under this system, a periodic rate is applied to the average daily balance in the account for each day in the dividend period. Statements Your monthly statement details all your checking transactions, along with your other credit union shares and loans. The checking portion of the statement lists your deposits, cleared checks, ATM and Check Card transactions, automatic transfers, Bill Payer, Self-Service Telephone (SST) and psecu@home® online account access transactions. Overdraft Transfer Service With overdraft transfer service, you save the embarrassment and hassle of accidentally overdrawing your account. With overdraft protection in place, PSECU automatically transfers the funds needed to cover a check if there isn't enough in your Checking Shares. This amount must be available in your Regular Shares, Money Market or Personal Service Loan (PSL) depending on the option you choose. Simply select one of the seven combinations of overdraft options on the checking application. The only restriction to these options is that they are limited to shares / loans under the same member's account number. PSL overdraft is only available if you have an established line of credit. It is subject to your existing credit limit and current loan policy. If you do not choose an option, PSECU will automatically set-up overdraft to your Regular Shares. PSECU limits overdraft transfers from Regular Shares and Money Market to three per month. Because of this restriction, Regular Shares and Money Market overdraft transfer service should be used to protect yourself in case you miscalculate your checking balance. |
Check Styles & Covers Would you like to give your checks some personality?
Check Reorders You can reorder checks through psecu@home if your name, address, check style and quantity has not changed. If you need to change your name, address, check style and quantity, you can complete the reorder form that came with your checks or contact the PSECU Call Center.
Check Registers If you would like a check register to record your transactions, please call the Self-Service Telephone (SST) and dial request code: 6 * 323 #.
Joint Checking For those sharing household or other expenses, PSECU offers joint checking. Each co-owner has equal access to the account. Just complete the joint owner information on the application and have all joint owners sign. Have It Your Way Combining PSECU's Checking with a Check Card and psecu@home will expand your options even more and give you the most convenient way to handle your finances, providing round-the-clock access to your account. And Many Extras You can customize your Checking Shares to fit your lifestyle with PSECU financial tools like FREE Check Cards, Self-Service Telephone, online account access and direct deposit. Access your account for balances, withdrawals, transfers and deposits when and how you like. We make it easy for you to manage your expenses and access cash through a variety of options. Use any of over 900 CU$® ATMs throughout the state surcharge-free for 24-hour access to cash. Endorsements To deposit a check, a proper endorsement is required on the back of each check.
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Form: PSECU #2135 Rev. 03/04