More Checking
More Checking isn’t your average checking account. It’s a free, all-digital checking account that comes packed with protection, convenience and everyday value. You’ll get way more than a place to keep your money. You’ll get real-world benefits and zero monthly fees.
$25
$0
$0
$0
More Perks. More Protection. No NFS Fees. Always Free.
More Checking is for anyone who wants freedom, flexibility and built-in benefits you’ll actually use and won’t cost you a thing. Combined with no monthly fees, including no NSF fees, and no balance requirements, you have all of the features you want in a modern checking account. This is banking that works with your life, not against it.
Featured highlights of built-in benefits are as follows:
Cell Phone Protection
Get reimbursed up to $400 of replacement or repair costs if your cell phone is stolen or damaged in the United States and abroad.
IDPROTECT®
Identity theft monitoring and resolution service for you and your joint account owners.
Roadside Assistance
Roadside assistance expenses are reimbursable up to $80 per occurrence. Covered expenses include towing; fuel, oil, fluid and water delivery; and battery, locked out and tire assistance.
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.
100% Digital. 100% Easy.
Your phone is essentially your branch. Your account is always open. Here’s what you can count on:
- Bank anytime, anywhere with easy-to-use digital tools. Use our digital banking tools, allowing you to manage your account, pay bills, transfer funds and stay on of your finances 24/7 from your desktop or mobile device. Bank on your schedule, not ours.
- Digital Wallet Compatibility. Add your PACU Debit Mastercard® to Apple Pay® or Google Play® and leave your wallet home.
- Enjoy fee-free access to thousands of ATMs nationwide. This convenience ensures you can access your money wherever life takes you.
- Receive eStatements each month in your online and mobile account. Clutter-free and eco-friendly.
- Get paid up to two days early with direct deposit. This extra time can make a real difference for bill payments, unexpected expenses or a little extra breathing room.
- Count on personal service when you need it. Get the support and attention you need, whether you have a simple question or require more detailed assistance with your financial goals.
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.
Fraud Awareness Spotlight
Our PACU fraud specialists work tirelessly to help you and your loved ones avoid becoming victims of fraud. As technology gets more sophisticated and fraudsters find new ways to try to steal your identity and hack into your accounts, it’s increasingly important to check your accounts regularly and report any suspicious activity as soon as possible.
Check out our Advantage Insights blog for posts about preventing fraud and more!
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.
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.