Checking Accounts

We make checking simple. We offer just one personal checking account – and it’s free.  No monthly fees. No complicated rules. No surprise charges.

Personal Checking is rated 4.6 out of 5 by 146.
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“I have never been able to say I love banking, but PSECU makes it easy. Customer service is fantastic and always helpful.”

- PSECU Member for 5-10 years

 
PSECU Checking: Banking Made Easy

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. You can also:

  • Take charge of your money: Make as many monthly payments, withdrawals, and deposits as you’d like.
  • Go digital: Use our online & mobile banking services to view your account, remotely deposit checks, pay bills from checking, and connect your account to Apple Pay, Google Pay, Samsung Pay, and the PSECU Wallet.
  • Enjoy 24/7 access: Use money from your checking account anytime, anywhere, with a PSECU debit card. You can also quickly lock and unlock your debit card if it’s lost or stolen.

Checking Features

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

  • No fees: No monthly service fees and 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, both of whom must be PSECU members
  • Nationwide ATM usage: Free PSECU account access at nearly 30,000 ATMs nationwide; rebates of up to $20 per month for fees charged by out-of-network ATMs if you have direct deposit with us, or up to $8 monthly without direct deposit
  • Security & peace of mind: Rest easy with our automatic Overdraft Protection Transfer Service, free credit score service***, and account alerts


Already a PSECU member? Log into your account and click Add a Share or Checking Service on your Balances page. 

Card lock & unlock

Misplace your card? Lock it instantly. When you find your card, unlock it, and you’re back in action. It’s one of our easy & convenient banking tools.

Learn about card lock/unlock
Money back banking

Members have access to nearly 30,000 surcharge-free ATMs, ATM rebates, and cash back from our rewards credit card.  

Banking with PSECU can give you more money back
Extra discounts and perks

As a PSECU member, you qualify for special savings on credit score service, tax prep, computers, and more.

Learn more about PSECU discounts and perks

Valid as of 11/14/2018 12:31 PM EST
Description APY* Dividend
Reg / Vacation / Christmas / S5 / IRA 0.15% 0.15%
Checking 0.10% 0.10%
Money Market 0.20% 0.20%
Youth Savings Program 1.50% 1.49%

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). Regular Share Accounts require a minimum balance of $5 to open the account. Money Market accounts require a minimum of $500 to earn the advertised APY. Share Accounts that qualify for Youth Savings Rate will earn a higher APY on the first $500 in the account. Balances above the first $500 will accrue interest at the current Regular Share rate.

Business Accounts: Business Regular Share accounts require $500 to earn the advertised APY. Business Checking and Money Market accounts require a minimum of $2,500 to earn the advertised APY.

View Truth in Savings Account disclosure at psecu.com/disclosures/.

*APY denotes Annual Percentage Yield

 

 

FAQs About Our Checking Accounts

To open an account online, you must be at least 12 years old, have a valid form of identification, and Social Security number (SSN) or Tax ID number. 

Refer to the following information for both yourself and any joint account owners:

  • You will need to provide valid form(s) of identification including: driver’s license, state ID, military ID, or passport. If you’re under 18, you’ll also need to provide a copy of your Social Security card. 
  • If you have lived at your current home address less than two years, you’ll need to provide your previous address.
  • To fund your new account(s), you’ll need to provide a credit or debit card.
  • There’s no minimum deposit required to open a checking account. However, if you’re not yet a PSECU member, we’ll need a $5 minimum to open a PSECU savings account and establish your credit union membership. When you open a checking account, your savings account is opened automatically. Learn more about the many ways to become a member. 
Yes. Two or more people can share access to a joint checking account. For account opening requirements, see “What information do I need in order to open a checking account?” You’ll need this identity information for all joint applicants.
Anyone age 12 and older who meets eligibility requirements can open a regular checking account. Learn more about the many ways PSECU helps our youth members save. 
We don’t charge a fee for setting up overdraft protection. Overdraft transfers are also free between your PSECU checking and savings account. 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.

Give us a call. One of our live, U.S.-based customer service representatives can help you get started. Call us Monday-Friday, 8 a.m. to 9 p.m. (ET), and Saturday, 9 a.m. to 5 p.m. (ET), at:

  • 800.237.7328, nationwide (USA)
  • 717.255.1760, outside the USA; not a toll-free number; normal charges apply
 
Online Savings
Digital banking
Credit Cards
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.

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). Regular Share Accounts require a minimum balance of $5 to open the account. Money Market accounts require a minimum of $500 to earn the advertised APY.

**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.

Apple, the Apple logo, Apple Pay, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Android, Google Pay, and the Android Logo are trademarks of Google Inc.

©2017 Samsung Electronics America, Inc. Samsung, Samsung Pay, Samsung Gear, Galaxy S and Gear S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Samsung Pay is available on select Samsung devices.

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 Best No minimum balance, interest on balance, friendly service
Date published: 2018-10-24
Rated 5 out of 5 by from Best Checking Account around I absolutely love my PSECU Checking Account! Being able to deposit at any PNC ATM has been amazing along with ATM rebates. Every time I have called PSECU I have received excellent service and they truly care enough to fix your problem.
Date published: 2018-08-26
Rated 1 out of 5 by from 8 dollar service fee It is ridiculous to have a $8 a month service fee 4 non direct deposit accounts they are supposed to help the state County employees and by taking $8 a month out that's hurting us
Date published: 2018-07-17
Rated 3 out of 5 by from Not a GREAT Product...yet This product could benefit from being an update into the 21st Century. On two occasions, I have attempted to transfer funds from my PayPal account to this product with PayPal's "money in minutes" process. However, much to my surprise, this product will not process the transfer in minutes...both times it has taken 48 hours for my transfer to show up. This last time, that delay caused me to incur an overdraft fee that would have been avoided if my transfer had posted "in minutes". I KNOW the "money in minutes" process works because I have used it with a different checking account several times and the money was always there in less than 10 minutes.
Date published: 2018-07-06
Rated 5 out of 5 by from Great Credit Union Been a member since the mid-1980s and can't calculate the fees, special services, etc. NOT charged. PSECU has been a blessing as our family grew; now three generations are members because of the mid-80s invitation to join. ALWAYS excellent service, helpful advice, and total fiscal responsibility ... ALL ways!
Date published: 2018-06-08
Rated 5 out of 5 by from Love my Credit Union PSECU So helpful in so many ways. Always easy to make contact with and very professional employees.
Date published: 2018-06-01
Rated 5 out of 5 by from Psecu It all in one banking. So convenient Best online service!
Date published: 2018-06-01
Rated 5 out of 5 by from Needed Help getting back on site Everyone is so helpful, the young lady who helped me was, virtuous and very helpful. Yes, I would recommend to others. I have a few friends who are in also.
Date published: 2018-05-30
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