Public Service Credit Union only has one checking account because it has everything you could want! There are no monthly fees, no minimum balance requirements, plus you can earn interest too!
| Smart Checking | APY* |
|---|---|
| Smart Checking Account | |
| Meeting Criteria- $.01-$10,000 | 2.00% |
| Meeting Criteria-Over $10,000 | 0.15% |
| Balances that don't meet the criteria | 0.03% |
You can earn a great rate on balances up to $10,000 if you meet 3 easy requirements.
1st requirement – Have 10 VISA debit card transactions* clear your account each calendar month. To make qualified purchases make sure you press the credit button.
2nd requirement – Receive e-Statements. E-statements are a fast and secure way to receive your statement online.
3rd requirement – Have one ACH deposit or withdrawal from your checking account per month. Have your payroll, social security, child support, pension or other check direct deposited. You could also have one of your bills electronically withdrawn each month.
SEE IF YOU’VE MET ALL 3 REQUIREMENTS TO EARN INTEREST
From there you can see which of the 3 requirements you have met or still need to meet before the end of the month!
Want to open a checking?
Current PSCU members can request to open a checking account online. Not a PSCU member? Apply to join PSCU.
Conveniently access the money in your account with a Public Service Credit Union VISA Debit/ATM card. Use your debit card at stores to make purchases by pressing the credit button and signing for your transaction. You can also use your debit card at an ATM to get cash from your savings or checking account by entering your PIN. REQUEST A DEBIT CARD
CONTACT # FOR CREDIT & DEBIT CARDS
Have your check electronically deposited into your account for instant access to your money! Don’t worry about losing your check, making it to the CU on time, or check holds anymore. Here’s what you’ll need to know to sign up:
OVERDRAFT PROTECTION
Overdraft protection transfers money from one of your other accounts at the credit union when you don’t have enough money in your checking. You only pay a $5 fee each time we make a transfer.
VISA OVERDRAFT PROTECTION
Use your PSCU VISA as protection for any overdrafts you may have. We’ll automatically transfer the money to your checking and you only pay interest on the balance until you pay it back. Give us a call to set up your VISA as a form of overdraft protection.
MY OVERDRAFT PRIVILEGE (MY ODP)
If you have direct deposit into your checking account you may be eligible for My ODP. With My ODP the credit union pays for transactions that take your account below your available balance up to your qualified limit. You are charged a $30 fee each time you use My ODP but your check or automatic withdrawal isn’t returned so you’ll save the embarrassment and extra fees associated with a return. Call the credit union to find out if your account is eligible.
You can easily manage your card activity and security all from your mobile app. Lock and unlock your cards, too! Did you lose your card? Temporarily lock it to prevent it from being used by anyone else. If you find it, you can unlock it just as easily! To get started open your mobile app, tap more in the bottom right then Manage My Cards or watch this How-To video below!
E-Notices are a faster way to learn about what’s happening to your account. Why wait for the mail when you can receive your notices electronically the same day? With e-notices you’ll get an email about a new alert in your online banking for things like:
Subscribe to e-Alerts to receive notifications about your account by email or text. Get an alert when your account goes above or below a balance, when an ACH is deposited or withdrawn, or when your loan payment is due. Customize e-Alerts to fit your needs. Learn more about e-Alerts.
