Checking Accounts

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

Personal Checking is rated 4.5 out of 5 by 150.
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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 an out-of-network ATM and get charged, we'll rebate fees 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.

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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 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
  • Security & peace of mind: Rest easy with our automatic Overdraft Protection Transfer Service, free credit score service***, and account alerts

Valid as of 07/11/2020 2:25 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



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 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
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
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