Checking Accounts

Fewer fees and more rewards make our checking account easy to understand and even easier to use.


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.

Checking Features

You’re on the go and you need a checking account that can keep up. That’s why we offer free checking accounts (no minimum balance or monthly service fees!) with convenient 24/7 access to your money in online and mobile banking.

Our members have access to these perks every day, and you could, too:


Surcharge-free ATMs

Wherever you go, you’re likely close to one of the 30,000+ surcharge-free ATMs in our network.

hand receiving cash

ATM rebates

Can’t find an in-network ATM near you? No need to worry. If you use your 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.

no fees

Free checking

No fees to open or maintain your account, plus no minimum balance requirements.


Free checks

While you may not use them every day, there are still times you’ll need paper checks. But you shouldn’t have to pay for them - get basic-style checks free with your account.


Debit card rewards

Pay with your PSECU debit card and you can earn $.05 or $.10 on eligible purchases*.


Free Overdraft Protection Transfer Service

Members can enroll in the Overdraft Protection Transfer Service, a service that will pull money from another share or loan account in the event your checking account does not have sufficient available funds to pay incoming transactions.

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


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.

Plus, as a digital-first credit union, it goes without saying that you’ll receive:
A contactless debit card so you can tap for a faster way to pay. Contactless PSECU Visa® cards make payment simple and secure.
Access to our free digital banking services**, including our online banking and mobile banking app, so you can manage your money anytime, anywhere that’s convenient for you.
Digital tools like our free credit score service*** and account alerts to help you keep tabs on both your financial health and the activity on your account.

We offer Courtesy Pay

What if there aren’t sufficient available funds in my other accounts for Overdraft Protection Transfer Service? We offer a discretionary service known as Courtesy Pay. If you opt-out of Courtesy Pay it will not be available to you. If you do not opt-out of Courtesy Pay, if a check (including Bill Payer Check) or ACH Transaction is presented for payment and your account does not have a sufficient available balance to pay it, then we may choose to pay that check (including a Bill Payer Check) or ACH transaction and overdraw your account and your account will be charged a Courtesy Pay fee (overdraft fee), as disclosed in the fee schedule. Courtesy Pay is not available for one-time debit card purchases, ATM or Electronic Bill Payer Transactions.

After an account has been opened for 90 days, qualifying members are automatically enrolled in Courtesy Pay if eligibility criteria are met and a member is in good standing as defined by PSECU’s Bylaws. Basic Service Accounts are ineligible for Courtesy Pay. The Courtesy Pay limit is $500.00. Courtesy Pay fees as well as the amount of the overdraft item will be subtracted from the Courtesy Pay limit. Subject to the Courtesy Pay limit of $500.00, there is no separate limit to the number of Courtesy Pay fees or the total amount of Courtesy Pay fees that may be incurred per day if you overdraw your account. When the Courtesy Pay limit is reached, Transactions (except for debit card purchases or ATM withdrawals) will be returned unpaid resulting in Non-Sufficient Funds (NSF) fees assessed by us. 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. Please see the Agreements and Disclosures for more information.

Current Rates

Valid as of 01/20/2022 2:31 PM EST 
Description APY* Dividend Rate
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.

To order checks, log into online banking, 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, 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.

*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.

**PSECU currently does not charge a fee for digital services. Message and data rates may apply.

***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.