Checking Account

Our free checking account makes everyday money management easy for teens to retirees and everyone in between.
Open a Checking Account

Resume Application or Check Status

ALREADY A MEMBER?

Yes
No

Do you currently have PSECU checking?

If yes, you'll need to set up an additional PSECU account. If no, this will add a Checking share to your current account.

Yes
No
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Checking for Life

You’re on the go and you need a checking account that can keep up. And whether you’re grabbing groceries on the way home from work, paying your monthly electric bill, or headed out to dinner with friends, our checking account is up for the challenge. It’s free, has no minimum balance requirement, and, of course, offers 24/7 access to your money in online and mobile banking.

Our checking account sprinkles savings throughout your days, as well, with:

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Debit card rewards

Filling up your gas tank? You can get rewarded for that. Hitting the drive through before your kids’ soccer practice? You can get rewarded for that, too. For all of life’s everyday expenses, pay with your PSECU debit card and you can earn $.05 or $.10 on eligible purchases1.

hand receiving cash

70,000+ Surcharge-free ATMs +ATM rebates

Whenever you need cash, we make it easy to get it. Whether you’re close to home or traveling across the country, you can access your cash easily at more than 70,000 surcharge-free ATMs nationwide. Can’t find an in-network ATM? We offer ATM rebates2.

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No-fee Overdraft Protection Transfer Service

No one wants to overdraft their account, but sometimes, mistakes happen. Maybe you wrote a check and the recipient took weeks or months to cash it. Or perhaps you made a mental note to transfer the funds from your savings to your checking but, well, you just forgot. For these instances and more, you can put a backup plan in place by enrolling in our no-fee Overdraft Protection Transfer Service. This means that if you try to spend more than you have in your checking account via check, ACH transaction or bill payer, we’ll automatically transfer funds from the linked account 3 with no fee.

Checking the Pros Trust

Not convinced yet? You don’t have to just take our word for it. We’ve received three national recognitions for our products and services.

americas best banks 2023

2023 Best Traditional Checking Account (Credit Union) by Newsweek

GoBankingRates

2023 Best Credit Union (Best for Fee-Free Checking) by GOBankingRates

Forbes Best In State Credit Union

2022 Best-In-State Credit Union by Forbes Magazine

Ready to get started? Our quick application process won’t slow you down. In just a few moments, you could have access to all these benefits and more!

Open a Checking Account

Resume Application or Check Status

ALREADY A MEMBER?

Yes
No

Do you currently have PSECU checking?

If yes, you'll need to set up an additional PSECU account. If no, this will add a Checking share to your current account.

Yes
No

FAQs

No catches here. We believe in providing our members with high-quality and low-cost products and services. And we understand that your finances may fluctuate day to day. Rather than stressing you out about keeping a certain amount in your checking account, we’re happy to offer this free checking account and eliminate worries about minimum balance requirements.
In the credit union world, we use the term dividends instead of interest. And yes, your checking account earns them. Check out the rate table below.
No need to pay for checks! We’re happy to offer our members free basic-style checks so you can put that cash toward something else.

To order checks, log into online banking, and click on the Accounts tab at the top of your screen to view the accounts dashboard. Once you reach the accounts dashboard, click on the three vertical dots to the right of your checking share balance and select Check Reorder.

If you do not see an option to reorder checks online, call us toll free at 800.237.7328 or send us a secure message in digital banking, and we’ll process your order shortly.

If you’d also like checkbook covers or check registers, please call us at 800.237.7328, extension 3134.

Our checking account can be added to youth accounts. Learn more.
Understanding the overdraft services available to you is an important part of managing your PSECU account. Find all of the details.
We don’t charge a fee for setting up Overdraft Protection Transfer Service. This uses funds available from savings accounts, money market account, other share accounts, or Visa lines of credit that the member has elected to pay items presented against their checking account when a check or ACH is more than the checking account available balance. The transfers are free between your PSECU checking and savings accounts. However, if you choose to use a credit card to protect your checking account from being overdrawn, those overdraft transfers are considered cash advances. Refer to your credit card agreement for fees and charges related to cash advances.
PSECU members have access to 70,000+ surcharge-free ATMs nationwide. We do not charge a fee if you use your PSECU debit card at a non-PSECU ATM. In addition, if you use an out of network ATM and get charged, we’ll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without.

Current Rates

Valid as of 06/3/2023 3:16 AM EDT 
Description APY* Dividend Rate
Checking 0.20% 0.20% 

Rates and information are subject to change at any time. Fees could reduce earnings on the account(s). The disclosed dividend rates are variable and may change after the member opens the account(s).

View Truth in Savings Account disclosure.

*APY denotes Annual Percentage Yield.

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Learn how to get started and make the most of a free checking account.

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1You can earn $0.10 cash rewards on eligible purchases of $10 or over with a PSECU checking account and one or more qualifying monthly direct deposits totaling at least $500. You can earn $0.05 cash rewards on eligible purchases of $10 or over for accounts with a PSECU checking account. Certain restrictions may apply. See the Visa® Debit Card Rewards Program Terms and Conditions for full details.

2If you use a PSECU debit card at an out-of-network ATM and get charged, we'll rebate fees on withdrawals up to $20 per month with direct deposit and up to $8 per month without.

3If you choose to use a credit card to protect your checking account from being overdrawn, those overdraft transfers are considered cash advances. Refer to your credit card agreement for fees and charges related to cash advances.