Your Money. Your Way
A checking account designed around your life.
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Join a legacy built right here at home. Whether it’s savings, checking, direct deposit, or more, you’ll experience a credit union focused on your future, not just your balance. Checking options available for every stage of life, including Basic Checking, Direct Advantage, Direct Advantage Plus, Next Gen (18–24), and Smart Start (14–17).*
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What You'll Need To Open An Account:
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Open with just $25
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A valid U.S. government-issued ID
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Your Social Security Number
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Must be 18 or older to join online
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Youth accounts may visit one of our branch locations to join
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How it Works:
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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
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Get paid up to 2 days early with Early Pay direct deposit!*
2026 Public Service Credit Union | Routing Number 272079487 | NMLS Number: 469775 | Privacy Notice
Smart Start Checking
*Must have an active Smart Start Savings account. Available to members ages 14–17. No minimum balance required. Parent or legal guardian must be a joint owner on the account and provide authorization. Federally insured by the NCUA up to $250,000.
Next Gen Checking
*Must have an active Next Gen Savings account. Available to members ages 18–24. No minimum balance required. Must have an active Savings account. Federally insured by the NCUA up to $250,000.
Basic Checking
*Must have an active Basic Savings account. A $8.95 monthly maintenance fee applies. Fee is waived when a minimum daily balance of $250 is maintained in the checking account. Federally insured by the NCUA up to $250,000.
Direct Advantage
*Must have a Direct Advantage Savings account. Minimum direct deposit of $800 per month required. No minimum balance fees. Federally insured by the NCUA up to $250,000.
Direct Advantage Plus
*Must have an active Direct Advantage Plus savings account. Monthly direct deposit of at least $1,500 and a minimum of 10 qualifying debit card transactions per month required. Dividends paid on balances up to $10,000. Account earns interest. See rate sheet for current Annual Percentage Yield (APY). E-statements required. Federally insured by the NCUA. Rates subject to change.
Early Pay
*Early Pay is a free service available for eligible ACH credit transactions, such as direct deposit. Early access to funds is possible but not guaranteed. Availability depends on when the payment file is received through the ACH network. The timing of deposit files is determined by the payer, and Public Service Credit Union has no control over when they are sent. Additional terms may apply. Federally insured by the NCUA up to $250,000.