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 145.
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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 09/22/2018 1:40 PM EDT
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

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 This is a great product! This is great product I would recommend this product to my friends And family!
Date published: 2018-05-11
Rated 5 out of 5 by from Great service Love overdraft protection , no fee and offers for low interest loans...
Date published: 2018-05-03
Rated 5 out of 5 by from Fast, free and easy! Fast, free and easy...............................
Date published: 2018-04-24
Rated 5 out of 5 by from Great experience I have banked here for over 20 years. I have never really had any problem that I was not able to get help with. I live over 2 hours away from Harrisburg, but I have only had one ocassion where I went there for anything related to my banking. They have great rates, helpful people and are very convenient. One time they even helped with an issue at an ATM where the machine did not give me the proper amount it said it did. PSECU credited me and worked with the other institution to correct the issue. I would recommend them to anyone.
Date published: 2018-03-24
Rated 5 out of 5 by from Great service I did an online loan application and ended up needing a lot of assistance. The associates with whom I spoke were always helpful and pleasant.
Date published: 2017-10-02
Rated 5 out of 5 by from awesome this is my first banking experience i like it and i love it
Date published: 2017-09-14
Rated 5 out of 5 by from Great Customer Service Been a member 30+ years---Can't say enough good things about PSECU.
Date published: 2017-08-17
Rated 5 out of 5 by from Love this bank I have never been able to say I love banking but PSECU makes it easy. Customer service is fantastic and always helpful. Rates are amazing and they treat their shareholders like family. Nothing compares to this bank.
Date published: 2017-03-19
Rated 5 out of 5 by from checking Easy to apply, Hours of avail are excellent, helpfulness of staff is awesome
Date published: 2017-03-02
Rated 5 out of 5 by from Best Ever I have been a member for over 20 years. This is the best financial institution I have ever used. I feel like they care about my families finances and always try to help. I have never been inside the office, and have been able to do everything online. What a convenience!
Date published: 2017-03-01
Rated 5 out of 5 by from review Easy to deal with, Great people, Great rates and products
Date published: 2017-02-23
Rated 1 out of 5 by from Too onerous a procesd I tried to set up a direct deposit for a new account, however, my account number was not provided. I spent close to a half hour online and the phone trying to obtain this information. Sorry it's just not worth this amount of trouble. I will be closing my accounts.
Date published: 2017-02-10
Rated 5 out of 5 by from very helpful never had such helpful people from a bank. from the person who introduced the bank to me (at a state worker training) to the person i spoke to on the phone. and ive never even been to a location.
Date published: 2017-02-10
Rated 5 out of 5 by from Fabulous Customer Service I am always thrilled by how polite and kind the customer service reps are in addition to being knowledgeable. I am also very pleased with the new VISA founders card and the rewards program. PSECU takes excellent care of their members!!! The online services are easy to use too!!
Date published: 2017-01-24
Rated 5 out of 5 by from Great service no huge fees like other banks! Love my PSECU accounts- service is always exceptional!
Date published: 2017-01-11
Rated 5 out of 5 by from Banking is all online or smartphone, PSECU is the As technology grows, opportunity grows.PSECU is always on that cutting edge, applying technology to new. With PSECU comes change for efficiencies, effectiveness, and customer loyalty. My favorite PSECU innovation is to be able to make deposits using my smartphone and within seconds I learn if the check was accepted or not. Thank you PSECU, you make banking so much easier, efficient, and secure.
Date published: 2017-01-08
Rated 4 out of 5 by from New Founders Credit Cards I see PSECU is offering a cash back Founders credit card. They have an asterisk to tell us what purchases are included. It then says to look at the prgrams terms and conditions information sheet. However none of the 4 disclosures even mention the 1.5%, and which purchases get 1.5% and which don't. I'm thinking about opening up a new card, but I need to know what the exemptions are, before paying the credit agencies to unlock my credit information.
Date published: 2017-01-05
Rated 4 out of 5 by from People man, people! I can say that I have had only 1 bad experience with one rep, and that was today. The other two people I spoke with were very well informed and clearly wanted to figure out what was going on. One bad apple and all. But overall great service.
Date published: 2017-01-04
Rated 5 out of 5 by from Great product No experience yet, New memberHope to have good experience
Date published: 2016-12-29
Rated 5 out of 5 by from great service had no problems very nice know several people that deal with PSECU they say they are great to deal with
Date published: 2016-12-29
Rated 5 out of 5 by from PSECU is the best!!! We've been banking with PSECU for twenty(20) years now. We have never had an issue, of any kind. Always a positive experience. Anyone that can bank with PSECU should do so.
Date published: 2016-12-16
Rated 5 out of 5 by from Excellent Eveything PSECU is an amazing credit union. They have always led the field in technology services, have friendly, efficient Member Services, and offer a great variety of products and services. They are the only financial institution you need!
Date published: 2016-12-02
Rated 5 out of 5 by from Cannot ask for much more. No hassle checking and savings accounts. Wonderful service.
Date published: 2016-11-29
Rated 5 out of 5 by from Wouldn't have survived without thePSECU! The PSECU has been there for me for me for over 20 years. I started with the DOC with no money saves, and no credit score. With excellent auto loans, personal loans and easily accessible cash, I have managed to prosper, get ahead and retire in comfort. Too this day I have never actually met an employee of the Union. Thank you for being there for me
Date published: 2016-11-27
Rated 5 out of 5 by from Best Credit Union ever! I've been with PSECU for 26 years, and I've never wanted to leave. I've checked out other credit unions, and this is the best by far. What other bank shares profits with you. They will always be the best in my opinion.
Date published: 2016-11-22
Rated 2 out of 5 by from Former member PSECU is great - if you live in the Harrisburg area. There is more to Pennsylvania than just Harrisburg. Up until 1992, I had an account with a credit union in South Carolina. Back then they had 6 branches (they now have more than twice as many). In all of PA, PSECU has just one. They don't know what "shared branching" is. Trying to deposit a check when you are "out of the area" is a joke.
Date published: 2016-11-19
Rated 4 out of 5 by from Rating I think it is good that it earns dividends and I think it is good that there are no fees.
Date published: 2016-11-17
Rated 5 out of 5 by from car loan I needed to pay my car loan off quickly, PSECU was there, got the loan done and a check sent to me with in a week, every thing was done over the phone, one of the easiest transactions I ever had!
Date published: 2016-11-17
Rated 5 out of 5 by from Simply the best Way better than any bank. I'm a member of another large local credit union and, while they may have many more branches than PSECU, they fail to put their Members 1st. PSECU has always been very helpful and easy to work with.
Date published: 2016-11-13
Rated 5 out of 5 by from owner you explain things,and if you have a problem you try and solve it.
Date published: 2016-11-09
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