Find the Right Checking Account
No two members are the same and neither are our checking accounts. From digital convenience, rewards and protection perks to an account that evolves with you over time, we’ve got you covered. Use the comparison below to find the checking account that fits your lifestyle, then open your account online or at your nearest branch.
Compare and Choose the Right PACU Checking Account
Your life isn’t one-size-fits-all and your checking account shouldn’t be either. That’s why we offer three unique options designed to meet you where you are:
More Checking
A free, all-digital account with no NSF fees and loaded with everyday protection perks and premium extras at no cost to you
Simple+ Checking
A checking account that grows with you. Start simple, earn interest with a low balance and unlock added benefits as you reach life milestones.
Student Checking
Have children ages 13 to 17? Don’t have them miss out on our free, all-digital student checking account with built-in safeguards to help them build foundations for a more secure financial future.
Belonging Starts with Your New Checking Account.
Exclusive Checking and Savings Bundle from Piedmont Advantage Credit Union
Switching to PACU isn’t just about better banking. It’s about belonging to a financial institution that prioritizes people over profits and community above all else.
For a limited time, open a PACU Simple+ Checking or More Checking account1 to unlock a gift of a PACU Mid-Century Baseball Hat or PACU Nostalgia Tote Bag2. Pair it with a new 12-month or longer-term PACU Share Certificate3 to receive another one of these great gifts.
PACU Checking Account Experience
Our checking accounts are designed to make managing your money easier, faster, and frankly, a bit more delightful. Here are highlights of what makes this checking account a breath of fresh air:
- Get paid up to two days early with direct deposit. This extra time can help with bills, unexpected expenses, or provide some breathing room.
- Enjoy fee-free access to thousands of ATMs nationwide. This convenience ensures you can access your money wherever life takes you.
- Bank anytime, anywhere with easy-to-use digital tools. Manage your account, pay bills, and transfer funds anytime with our digital banking tools from your desktop or mobile device.
- Digital Wallet Compatibility. Add your PACU Debit Mastercard to Apple Pay® or Google Play® and leave your wallet at home.
- Count on personal service from people who know you. Get the support you need for any questions or detailed assistance with your financial goals.
Trusted by Thousands of Our Members
Hear it for yourself, straight from our member-owners who have trusted us!
Patricia F.
Piedmont Advantage Credit Union is one of the best banking systems. I have so much respect for them. I thank God for their help and understanding.
Alijah B.
An amazing staff, everyone works really hard and fast to ensure you get taken care of. It’s a true, family-like bank.
Account Access Anytime, Anywhere
With our debit card and mobile app, you’re in control: shop, pay bills, transfer funds and manage your accounts anytime, anywhere.
- Secure: Built-in fraud protection and account alerts help keep your money and personal information safe.
- Simple: An intuitive design makes it easy to check balances, deposit checks and make payments in just a few taps.
- Designed for your lifestyle: Whether you’re at home or on the go, you’ll have the tools you need to bank how and when it works best for you.
More about ClickSWITCH
Thinking about switching your checking account to Piedmont Advantage Credit Union but dreading the paperwork of moving your direct deposits and recurring bill payments?
With ClickSWITCH, you can move your direct deposits and recurring payments to your new PACU checking account quickly and securely, all in one place, with just a few clicks. No forms. No phone calls. No stress.
Looking for Business Checking?
We offer an interest-bearing Business Checking Account with the latest technology the financial industry offers, so you can focus on what you do best: running your business.
Disclosures
¹Current dividend rates and annual percentage yields for checking accounts are stated in PACU’s Truth-In-Savings Disclosure (“TISD”). Simple+ Checking is a tiered rate checking account. Minimum account balance of $100 required to earn the dividends and annual percentage yields stated in the TISD. If minimum qualification requirements are met during a monthly qualification cycle, the first dividend rate and annual percentage yield stated in the TISD will apply up to the first $20,000 of your account balance, and the second dividend rate and annual percentage yield listed in the TISD will apply to any remainder of your account balance. To meet minimum qualification requirements for a monthly qualification cycle, you must: 1) make 15 debit card purchases that post and settle your account; 2) be enrolled to receive e-statements; and 3) have one direct deposit of $100 or more settled to your account. The monthly qualification cycle is defined as a calendar month. If minimum balance requirements are met but you do not meet all of the minimum qualification requirements during a monthly qualification cycle, the third dividend rate and annual percentage yield listed in the TISD will apply to your entire account balance. As of January 1, 2026, the TISD states the following annual percentage yields for Simple+ Checking: First annual percentage yield, 1.75%; second annual percentage yield, 0.25%; and third annual percentage yield, 0.01%. Dividend rates and annual percentage yields are subject to change and may change after account opening. More Checking does not earn dividends. Student Checking does not earn dividends.
2Promotional bonus offers are for a limited time while supplies last and may be discontinued at any time. Offers not available if you closed a Piedmont Advantage Credit Union (“PACU”) checking account on or after July 1, 2025, or if you had a PACU account that was closed with a negative balance within the last three years or closed within 90 days of account opening. You must be or become a member of PACU to open a checking account or a share certificate account. You can receive only one bonus gift per new checking account and one bonus gift per new share certificate account, and you can only receive one of each of these bonus gifts per membership.
To receive the bonus gift for opening a new consumer or student checking account, you must (i) open and fund (minimum to open $25) a new PACU Simple+ Checking account, More Checking account or Student Checking Account on or after January 5, 2026, and (ii) enroll in online banking, mobile banking and eStatements within thirty (30) days of account opening.
To receive the bonus gift for opening a new consumer share certificate account, you must: (1) have an open PACU Simple+ Checking account, More Checking account or Student Checking Account; (2) open a new consumer share certificate with a term of 12 months or longer (minimum to open 12-Month Save to Win Share Certificate $25, minimum to open all other share certificate accounts $500) on or after January 5, 2026; and (3) fund the new share certificate account at account opening with at least $100 for 12-Month Save to Win Share Certificates and at least $500 for all other share certificate account types eligible for this promotion.
Bonus gifts must be claimed within 90 days of opening your account. Bonus gifts may be picked up at any PACU branch location or mailed upon request at your expense. Failure to claim bonus gifts within 90 days of opening the account may result in forfeiture of the bonus gift. Colors and designs of bonus gifts may vary, and PACU reserves the right to substitute another bonus gift of equal or greater value. These bonus offers may be tax-reportable.
3Current dividend rates and annual percentage yields for share certificates are stated in the Share Certificate Truth in Savings Disclosure. As of January 1, 2026, annual percentage yields for share certificates with a term of 12 months or longer vary between 2.25% and 3.30% depending on certificate type and term length. Dividend rates and annual percentage yields are subject to change.