Checking

Personal Checking is rated 4.7 out of 5 by 250.
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PSECU's goal is to provide members 12 years of age or older with hassle-free, no fee, dividend-earning checking.

Benefits Include

Features

Earning Dividends

No minimum balance is required in your PSECU Checking to earn dividends (what you may think of as "interest"). PSECU uses the average daily balance to calculate dividends. Under this system, a periodic rate is applied to the average daily balance in the account for each day in the dividend period.

Accessing Monthly Statements

Your monthly statement details all your checking transactions, along with your other credit union shares and loans. The checking portion of the statement lists your deposits, cleared checks, ATM and PSECU Visa® debit card transactions, automatic transfers, Bill Payer, Self-Service Telephone (SST) and Online Banking transactions.

Viewing Checks Online

If you are an Online Banking user, online check imaging allows you to access copies of your cleared checks from your home computer. Simply click and print a copy of your check when needed. Should you need us to provide a copy of your cleared check, we'll be happy to supply a copy for a $1 service charge per check.

Joint Checking

For those sharing household or other expenses, PSECU offers joint checking. Each co-owner has equal access to the account. Just complete the joint owner information on the application and have all joint owners sign. Please note that joint owners are not automatically PSECU members. They must open an individual PSECU account to enjoy all the benefits of membership.

Overdraft Transfer Service

PSECU will automatically transfer the funds needed to clear a check if there isn't enough in your Checking Shares. This amount must be available in your Regular Shares, depending on the option you choose.

Simply select one of the seven combinations of overdraft options on the checking application. The only restriction to these options is that they are limited to shares / loans under the same member's account number. PSECU Visa overdraft is only available if you have an established line of credit. It is subject to your existing credit limit and current loan policy. If you do not choose an option, PSECU will automatically set up overdraft from your Regular Shares.

Federal law (Regulation D) limits overdraft transfers to six per month, therefore share overdraft transfers should only be used in case you miscalculate your checking balance.

Important: When using debit, with PSECU Visa debit card, you must have available funds in your checking account or your transaction will be declined. Overdraft Transfer Service does not apply to debit transactions.

Rates valid as of 12/6/2016 9:04 AM

DescriptionAPY*Dividend
Checking.10%.10%
Money Market.20%.20%
Reg / Vacation / Christmas / S5 / IRA.15%.15%
*APY denotes Annual Percentage Yield

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.

*FICO® and Fair Isaac® are registered trademarks of the Fair Isaac Corporation in the United States, and may be trademarks or registered trademarks of the Fair Isaac Corporation in other countries. PSECU is not a credit reporting agency. Fair Isaac is not an affiliate company of PSECU. Members must have PSECU checking or a PSECU loan to be eligible for this service. Joint Owners are not eligible.

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
Rated 5 out of 5 by from Candace and Marie are knowledgeable and polite I was not going to join initially as I am already a member of a credit union. But after speaking with the staff at your branch in Northampton Community College (Monroe), I was given all of the information I needed to show that this is a much better fit for me.
Date published: 2016-10-20
Rated 5 out of 5 by from Wonderful Wonderful because they are not taking your money but helping you
Date published: 2016-10-13
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