More Checking
Banking that doesn’t punish you for life’s unexpected events. More Checking is a free, all-digital checking account for people who want predictability, not penalties.
Why People Choose More Checking
People choose More Checking because it’s challenging to build momentum when fees continually pull you backward. More Checking is built around one idea: control.
A life change, recovering from an unexpected expense or simply wanting an account that won’t surprise you, this is banking that meets you where you are.
What You Get with More Checking
- No NSF fees. If your balance isn’t enough, you won’t be charged an insufficient funds fee.
- No overdrafts. Transactions won’t go through if the money isn’t there, so you can’t overdraw the account.
- Free checking. No monthly maintenance fees. No “gotcha” fine print.
- 100% digital. Online and mobile banking are the most convenient ways to manage your money, wherever you are.
- Perks that help in real life. More Checking includes free extras, like road assistance, cell phone insurance, identity theft monitoring and resolution service and other benefits.
Who More Checking Is a Good Fit for
- Anyone who wants a predictable, fee-free checking option.
- People who prefer digital-first money management.
- Anyone focused on getting organized and moving forward.
- People who want banking that feels supportive, not stressful.
How it Works
- If you try to spend more than you have, the transaction won’t process.
- That means no overdrafts and no NSF fees.
- You stay in control and keep moving forward.
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.
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.
Resources
Advantage Insights Blog
Here, you’ll learn more about who we are, what we do and why it matters to you.
YouTube Channel
Watch past webinars, roundtable discussions and podcast videos, all catalogued on our channel for your convenience.
Reach your financial goals
Our easy-to-use calculators can help you make the right financial decisions. Let us help you research.
Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the aviation industry, Piedmont Advantage Credit Union (PACU) serves member-owners, who reside, work, worship, attend school or operate a business in one of the six counties it serves in North Carolina or who are employed by one of its many employer companies. These six counties are Davie, Forsyth, Guilford, Iredell, Mecklenburg and Rockingham.
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.