Not sure which account is right for you? Compare your checking account perks here!
Checking Accounts That Work for You
Banking should be simple, seamless, and built around you. At Public Service Credit Union, our checking accounts come with zero hassle, zero hidden fees, and all the features you need to manage your money—wherever life takes you.
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No monthly maintenance fees – Keep more of your money
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Free debit card with contactless payments
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Online & Mobile Banking – Pay bills, transfer funds, and deposit checks from anywhere
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Nationwide ATM access – Surcharge-free ATMs coast to coast
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Early Direct Deposit – Get paid up to 2 days early
A basic checking account for your everyday needs.
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Low minimum balance requirement
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Anywhere banking tools
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Our most popular account with no minimum balance requirement. Designed for members who have direct deposit
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No minimum balance requirement or monthly fee*
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Get paid up to three days early with free Early Pay**
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Free Notary Services
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Anywhere banking tools
*Requires monthly direct deposit of at least $800
**Early Pay is a free service for all Public Service Credit Union members with direct deposit. ACH payroll can be posted up to 3 business days early, but not guaranteed. The payroll sender determines when they send the payroll files, PSCU has no control on how early payroll will come in.-
An interest-bearing checking account designed for members who have direct deposit and use their debit card frequently.
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Get paid up to three days early with free Early Pay**
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Monthly Dividends paid up to $10,000*
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Free Identity Theft*
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No minimum balance requirement or monthly fee
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Anywhere banking tools
*Requires monthly direct deposit of at least $1500. E-statements & minimum of 10 debit card transactions a month. Dividend paid on balances up to $10,000.
**Early Pay is a free service for all Public Service Credit Union members with direct deposit. ACH payroll can be posted up to 3 business days early, but not guaranteed. The payroll sender determines when they send the payroll files, PSCU has no control on how early payroll will come in.
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Monthly maintenance fee on Basic Checking is waived with a minimum balance of $250. Monthly maintenance fee on Direct Advantage Checking is waived with at least $800 in monthly direct deposit, and for Direct Advantage Plus Checking is waived with at least $1500 in monthly direct deposit and 10 or more debit card purchases per month. Next Gen and Smart Start Checking have no monthly maintenance fee.
*Direct Advantage Plus monthly dividends are paid on balances up to $10k
Benefit | Basic Checking | Direct Advantage Checking | Direct Advantage Plus Checking |
|---|---|---|---|
Anywhere Banking Tools | ✔ | ✔ | ✔ |
Overdraft Protection | ✔ | ✔ | ✔ |
Free E-Statements | ✔ | ✔ | ✔ |
Digital Wallets | ✔ | ✔ | ✔ |
Free Credit Monitoring | ✔ | ✔ | ✔ |
Accidental Death Coverage | ✔ | ✔ | ✔ |
No Monthly Minimum Balance Requirements | ✔ | ✔ | |
Free Notary Services | ✔ | ✔ | |
Monthly Dividends* | ✔ |
Monthly maintenance fee on Basic Checking is waived with a minimum balance of $250. Monthly maintenance fee on Direct Advantage Checking is waived with at least $800 in monthly direct deposit, and for Direct Advantage Plus Checking is waived with at least $1500 in monthly direct deposit and 10 or more debit card purchases per month. Next Gen and Smart Start Checking have no monthly maintenance fee.
*Direct Advantage Plus monthly dividends are paid on balances up to $10k
Checking Accounts
At Public Service Credit Union, we believe managing your money should be simple, secure, and tailored to your financial goals. Whether you're looking to build your savings, manage everyday expenses, or plan for the future, our checking account options offer the perfect blend of flexibility and value.
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Debit Cards
Banking should be effortless. With a Public Service Credit Union Debit Card, you get instant access to your money—wherever, whenever. Tap to pay, add it to your digital wallet, and skip the ATM fees with surcharge-free access to nearly 30,000 CO-OP ATMs. Plus, stay in control with real-time alerts and easy card management in Digital Banking. Need a card today? Get one instantly at select locations. No hassle. No hidden fees. Just your money, working for you.
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Fast. Secure. Effortless
Your PSCU Debit Card gives you instant access, total control, and zero hassle—spend smarter, anywhere life takes you.
