Personal Checking

Information on switching to your new PSE Checking Account.

If you already have a PSE savings account (you are a member) then you can apply for a checking account by using the following links:

Checking Application-Primary Owner >
Checking Application-Joint Owner >

ALL Personal Checking Accounts enjoy:

• No minimum balance requirement
• No per check charge
• First 40 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:

• This account earns interest¹
• 10 Complimentary ATM withdrawals or PIN based transactions per month.
  Any additional ATM withdrawals or PIN based transactions are $3.50.
• NO per check charge
• Complimentary Visa Check Card (Debit/ATM card) gives you 24 hour access to your account
• Complimentary Online Banking and Bill Pay
  • Home Financial Services (HFS)
• Complimentary Mobile Banking App that includes Mobile Check Deposit (deposit checks from your smartphone)
• IDProtect®, our identity theft monitoring and resolution service²
  • Identity Theft Expense Reimbursement Coverage³
  • Credit File Monitoring⁴ (registration/activation required)
  • Credit Report and Score⁵ (registration/activation required)
  • Comprehensive Identity Theft Resolution Services
  • Debit and Credit Card Registration (registration/activation required)
  • Identity Monitoring (registration/activation required)
  • Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required)
• Up to $10,000 24-hour Accidental Death & Dismemberment lnsurance³ (Accidental death and dismemberment insurance coverage divides equally on joint accounts and reduces by 50% at age 70.)
• Cellular Telephone Protection³
• $1,000.00 Grocery Coupon Book (registration/activation required)
• Cash Back Member Rewards (registration/activation required; additional terms and conditions may apply)
• Health Discount Savings This is NOT insurance. (registration/activation required)

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 or PIN based transactions per month.  Any additional ATM withdrawals or PIN based transactions are $3.50 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. 

"65" Checking

All members age 65 and older will be placed into the “65” Checking and enjoy the following benefits:

• No monthly account fee

• No minimum monthly deposit

• No paper statement fee

• Discounts on safe deposit boxes

• 10 PIN-based ATM transactions per month

Renew Checking

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

• This account earns interest¹
• 5 Complimentary ATM withdrawals or PIN based transactions per month.
  Any additional ATM withdrawals or PIN based transactions are $3.50.
• NO per check charge
• Complimentary Visa Check Card (Debit/ATM card) gives you 24 hour access to your account
• Complimentary Online Banking and Bill Pay
  • Home Financial Services (HFS)
• Complimentary Mobile Banking App that includes Mobile Check Deposit (deposit checks from your smartphone)
• IDProtect®, our identity theft monitoring and resolution service²
  • Identity Theft Expense Reimbursement Coverage³
  • Credit File Monitoring⁴ (registration/activation required)
  • Credit Report and Score⁵ (registration/activation required)
  • Comprehensive Identity Theft Resolution Services
  • Debit and Credit Card Registration (registration/activation required)
  • Identity Monitoring (registration/activation required)
  • Online Identity Theft News Center and Valuable Phone and Web Resources (registration/activation required)
• Up to $10,000 24-hour Accidental Death & Dismemberment lnsurance³ (Accidental death and dismemberment insurance coverage divides equally on joint accounts and reduces by 50% at age 70.)
• Cellular Telephone Protection³
• $1,000.00 Grocery Coupon Book (registration/activation required)
• Cash Back Member Rewards (registration/activation required; additional terms and conditions may apply)
• Health Discount Savings This is NOT insurance. (registration/activation required)

¹ Deluxe Checking- Interest and Annual Percentage Rate (as of 09/30/2024)

Based on average daily balance.
² Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent{s) of the account owner who are residents of the same household.

³ Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance.

⁴ Credit file monitoring may take several days to begin following activation.

⁵ Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different VantageScore or a different type of credit score to assess your creditworthiness

Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the Credit Union or any Credit Union Affiliate.

**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.