CHECKING ACCOUNTS
Open a Checking Account designed for your lifestyle!
Discover benefits our checking accounts offer to fit your goals.
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Easy account opening with just $25
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Easy direct deposit switch
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Get paid up to 2 days early with Early Pay!
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Complimentary Debit Card
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Secure, paperless E-statements at no cost
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Overdraft Protection
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Convenient 24/7 access via mobile app, online banking, and debit card
Compare Our Checking Accounts
Direct Advantage Plus Checking
Earn more while enjoying all the perks.
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​Benefits​
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No monthly fees
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Earn 4.00% APY (on balances up to $10,000)
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Dividends paid monthly (on balances up to $10,000)
Requirements
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Must have $1,500+ in monthly direct deposit
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Must Conduct 10+ debit card purchases/month (excluding ATM withdrawals)
OUR STORY IS YOU
Brandon R.
This has been my bank for a few years now, and i would like to say LaJoyce is the best person with anything you need! She goes above and beyond to try her hardest to help EVERYONE! And Jeff also. Im positive the whole staff is fantastic, i just have only dealt with LaJoyce and Jeff!! 5 STAR BANK!!!
Elliott B.
Just closed a Home Equity Line of Credit with PSCU this week. This was the easiest, quickest and least painful loan I have ever done in my life out of at least 20 personal loans over my lifetime! Laura Matthies did a fantastic job!
Erica W.
All Smiles when walking into bank very friendly & quick ,nice clean & smells gud I like to chat with the staff we laugh & keep it moving & The atmosphere love it & i love my Bank on West Blvd .Check them out People.
Frequently Asked Questions
What checking accounts does PSCU offer?
PSCU offers several checking account options for different banking needs, including Basic Checking, Direct Advantage Checking, Direct Advantage Plus Checking, Next Gen Checking for ages 18–24, and Smart Start Checking for ages 14–17.
How much does it cost to open a PSCU checking account?
PSCU checking accounts can be opened with as little as $25. Some checking accounts have no monthly fee, while Basic Checking has a monthly fee that may be waived by maintaining the required balance or upgrading the account.
Does PSCU offer checking accounts with no monthly fees?
Yes. PSCU offers checking account options with no monthly fees, including Direct Advantage Checking, Direct Advantage Plus Checking, Next Gen Checking, and Smart Start Checking. Some accounts may have direct deposit, age, debit card usage, or other qualification requirements.
Can I get paid early with a PSCU checking account?
Yes. PSCU checking accounts may include Early Pay direct deposit, which can allow eligible members to receive their paycheck up to two days early when direct deposit is set up.
Does PSCU offer checking accounts for teens or young adults?
Yes. PSCU offers Next Gen Checking for young adults ages 18–24 and Smart Start Checking for teens ages 14–17. These accounts are designed to help younger members start managing money with everyday banking tools and no monthly fees.
Disclosures
Offer valid for new Direct Advantage and Direct Advantage Plus checking accounts opened October 1–November 30, 2026. Qualifying Public Service Credit Union debit Mastercard transactions must be settled within the first 30 days of account opening. Pending transactions remaining after 30 days do not qualify. Members who make at least $2,075 in qualifying purchases will receive $75 in their Public Service Credit Union savings account by January 31, 2027. Limited to one promotion per individual. Account qualifications and other terms apply. Federally insured by NCUA.