Checking Accounts

We make checking simple. We offer just one personal checking account.  No monthly fees. No complicated rules. No hidden charges.

Personal Checking is rated 4.5 out of 5 by 153.
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Checking Features

Even if you don’t write many paper checks, a checking account is still one of the most useful financial accounts you can have. Our checking account makes it easy to make and receive payments, without carrying cash.

Debit Card Rewards

Earn cash rewards while using your PSECU debit card. For eligible debit card purchases of $10 or over, you’ll earn either $0.05 or $0.10, based on qualifying factors*.

Surcharge-free ATMs

If 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.

Learn more
Convenient 24/7 access

Take us with you anytime and anywhere with our mobile app. Deposit money, manage your cards, make payments, and stay informed on your finances.

Learn more
Contactless Debit Card

Tap for a faster way to pay. Contactless PSECU Visa® cards make payment simple and secure.

There’s no minimum balance required for a PSECU checking account. Your account also includes:

  • No fees: No minimum balance required to earn dividends**
  • Free checks: Unlimited check-writing privileges and free basic checks, including the use of our mobile deposit service
  • Digital banking: Online & mobile banking account access, including access to check images, e-Statements, and bill payer service
  • Joint checking option: Shared account for two individuals
  • Security & peace of mind: Rest easy with our automatic Overdraft Protection Transfer Service, Courtesy Pay service, free credit score service***, and account alerts

Current Rates

Valid as of 10/28/2020 3:49 PM EDT 
Checking 0.05%  0.05% 
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



We don’t charge a fee for setting up the 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.
Courtesy Pay is a discretionary service available to eligible accountholders to cover checks and ACH transactions up to the Courtesy Pay limit, if no funds are available in the checking account and after the Overdraft Protection Transfer Service options on the account have been exhausted. There is a $30.00 fee for each item paid using the Courtesy Pay service. Eligible accountholders are automatically enrolled in this service. If you would like to opt out or have questions about this service, please call 800-237-7328. You can opt-out of Courtesy Pay at any time. If you opt-out and overdraw your account, you will be charged an NSF fee in the amount of $30.00 for each item, your check may not be paid and you may incur additional fees such as returned item fees or late charges.
To reorder the same style check, log into your account and go to "My Profile," then "Check reorder" from the left menu. To choose a different check style, browse the images here and call us at 800.237.7328, extension 3134.

To open a Checking Account, you must establish a PSECU membership by opening a Savings Share Account and maintain a $5 minimum Savings Share balance.

*You 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.

**Dividends are what you may think of as "interest.” PSECU uses the average daily balance to calculate dividends. A periodic rate is applied to the average daily balance in the account for each day in the dividend period.

***PSECU is not a credit reporting agency. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint owners are not eligible.

Important: When using debit (point-of-sale) transactions with PSECU Visa debit card, you must have available funds in your checking account or your transaction will be declined. Overdraft Protection Transfer Service does not apply to debit transactions. Loan options are treated as cash advances and are subject to those rates and accrue interest immediately. If you did not choose an option when you set up your account, PSECU will automatically set up overdraft transfers from your Regular Shares.

Rated 5 out of 5 by from Satisfied for Many Years I've had PSECU for many years, including several years out of state. I have found their services to be reliable and feel they have only gotten better over the years. Customer service seems especially more helpful and friendly in recent years. Very satisfied.
Date published: 2020-09-29
Rated 5 out of 5 by from The Best Every call I have ever made to PSECU was handled in a professional and courteous manner. The staff couldn’t be more helpful. The app is awesome and online deposits are a breeze. So fortunate and blessed to have them handle my money. Thank you!
Date published: 2020-08-15
Rated 5 out of 5 by from checking because of easy checking account that on they have
Date published: 2020-07-27
Rated 1 out of 5 by from Online check reorder Everywhere I look, I'm told to reorder checks online. Big Problem - I can't fins where online a member is supposed to reorder checks. Can you direct me?
Date published: 2020-01-20
Rated 2 out of 5 by from No #way To Cash Checks At Branches PSECU Policy does not allow currency services for it member.
Date published: 2019-09-12
Rated 1 out of 5 by from Non-Competitive Rates PSECU is great if you carry a lot of debt, but is not the place for savers, as they haven't changed their checking, savings, and money market interest rates in over a decade. Their rates used to compare to other banks and mutual fund money markets, but that is no longer the case. They push the features of their checking and savings accounts, but other credit unions offer the same features, as well, but with considerably higher interest rates.
Date published: 2019-08-02
Rated 5 out of 5 by from Best banking deal PSECU has good loan rates, great online and mobile app banking, plus excellent customer service. If I do have to call for any reason, I can talk to a knowledgeable friendly person very quickly.
Date published: 2018-12-05
Rated 5 out of 5 by from Best No minimum balance, interest on balance, friendly service
Date published: 2018-10-24
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