Personal Checking

Personal Checking

ALL Personal Checking Accounts enjoy:

  • No minimum balance requirement
  • No per check charge
  • First 50 checks for FREE
  • FREE Visa Check Card (ATM/Debit) that gives you 24-hour access to your account
  • Platinum Club Members continue to receive FREE ATM withdrawals

PSE offers three types of Personal Checking Accounts—Deluxe Checking, Basic Checking and Renew Checking.

 

Deluxe Checking

This account is $3.95 a month with e-statements or $4.95 a month with paper statements and includes the following:

  • Earns interest¹
  • 10 FREE ATM withdrawals per month.  Any additional ATM withdrawals are $3.00 each.
  • IDProtect®--Identity Theft Protection Service2
    • Total Identity Monitoring*
    • 3-in-1 Credit Report*, Credit Score*, Triple Bureau Credit File Monitoring*
    • Up to $10,000 identity fraud expense reimbursement3
    • Resolution services—includes access to a dedicated consumer fraud specialist
    • Debit and credit card registration*
  • Up to $10,000 Accidental Death and Dismemberment Coverage (reduces 50% at age 70)4
  • $500 Grocery Coupon Book*
  • Cellular Telephone Protection5
  • Cash Back Member Rewards* (Receive $40 per year in cash back rebates!)
  • Health Discounts (Prescription Drug Plan)* – this is a health discount plan and is not insurance.

*These benefits require member to register and activate or request benefit.

 

Basic Checking

NO Monthly Fees* as long as you meet the following requirements:

  • Monthly deposits totaling $500 coming into this account each month.
  • Have e-statements
  • This account does not earn interest and you will receive 5 FREE ATM withdrawals per month.  Any additional ATM withdrawals are $3.00 each.

*Any month in which the required deposits are not met, you will incur a $10 fee.

All students age 18-23 years-old will be placed into the Basic Checking Account with the $500 monthly deposit requirement waived.  E-statements are required. 

Renew Checking

This account is $7.95 a month with e-statements or $8.95 a month with paper statements and includes the following:

  • Earns interest¹
  • 5 FREE ATM withdrawals per month.  Any additional ATM withdrawals are $3.00 each.
  • Requires direct deposit or payroll deductions coming into this checking account each month.  Any month in which the required deposit is not met, you will incur a $10 fee.
  • IDProtect®--Identity Theft Protection Service2
    • Total Identity Monitoring*
    • 3-in-1 Credit Report*, Credit Score*, Triple Bureau Credit File Monitoring*
    • Up to $10,000 identity fraud expense reimbursement3
    • Resolution services—includes access to a dedicated consumer fraud specialist
    • Debit and credit card registration*
  • Up to $10,000 Accidental Death and Dismemberment Coverage (reduces 50% at age 70)4
  • $500 Grocery Coupon Book*
  • Cellular Telephone Protection5
  • Cash Back Member Rewards* (Receive $40 per year in cash back rebates!)
  • Health Discounts (Prescription Drug Plan)* – this is a health discount plan and is not insurance.

*These benefits require member to register and activate or request benefit.

1 Deluxe Checking & Renew Checking – Interest and Annual Percentage Rate (as of March 31, 2016)

Minimum BalanceRateAPY
$2,000+ 0.05% 0.05%

 

2IDProtect service is a personal identity theft protection service available to account owner(s) and their family. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. 3 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. (AIG).  Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Description of Coverage will be included in the follow-up letter. 4 Plateau Insurance Company of Crossville, TN. will be our Accidental Death & Dismemberment Insurance underwriter. For questions regarding claims or your coverage, call 1-866-210-0361. Description of Coverage will be included in the follow-up letter. 5 Guide to Benefit will be included in follow-up letter.

Non-banking benefits above are available to joint account holders (unless otherwise noted). Non-banking benefits are not available to a "signer" or "beneficiary" of the account who is not an account owner, businesses and their employees, clubs and/or churches and their members, schools and their employees/students.  SOME BENEFITS DO REQUIRE REGISTRATION AND ACTIVATION – INCLUDED IN FOLLOW UP LETTER.

 

**All students age 18-23 years-old will be placed into the Basic Checking Account with the $500 monthly deposit requirement waived.  E-statements are required.