Advantage Access Online Banking and Mobile Banking App, with Two Checking Accounts.

Job, family, hobbies, volunteer work throughout North Carolina. Your life is complicated enough. You deserve checking account options that are simple and straight-forward for all of your online transactions and debit card purchases. Whether you choose a checking account that offers the basics with no monthly fees, or one that pays high interest on deposits, you'll enjoy features that let you get the job done and move on with your busy day.

Simple+ Checking

  • Competitive interest rates:
    • Become an active account holder and you'll earn a 0.65% APY* on your account balance up to $10,000.
  • It's as easy as 1-2-3:
    • Use your debit card a minimum of 15 times for everyday purchases during the month
    • Opt-in to our eStatements through Advantage Access Online Banking
    • Set up at least one direct deposit
    • Accountholders over 50 receive free checks and free official checks


More Checking

A secure, convenient way to make the most of your money with the following:
  • All Digital, checkless banking
  • Never an overdraft fee
  • IDProtect®* with Credit File Monitoring, Reports, and Scores
  • Debit Advantage®1
  • Cell Phone Protection1
  • Travel & Leisure Discounts2*
  • 24-Hr Roadside Assistance2
All for a low monthly fee of $5.95!



Click here for your More Checking Welcome Kit


For a complete list of the new benefits offered by your Piedmont Advantage Debit Mastercard, CLICK HERE

Frequently Asked Questions



*Simple+ Checking is a tiered rate checking account. Dividend rates and annual percentage yields for Simple+ Checking are stated in Piedmont Advantage Credit Union’s Truth in Savings Disclosure (“TISD”). Minimum account balance of $100 required to earn dividends and annual percentage yields. 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 $10,000 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 settle to your account. The monthly qualification cycle is defined as the period beginning with the last day of a given month through the next to last day of the following 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 5/1/2021, the TISD states the following annual percentage yields for Simple+ Checking: first annual percentage yield, .65%; second annual percentage yield, .10%; and third annual percentage yield, .10%. Dividend rates and annual percentage yields are subject to change and may change after account opening.


1More Checking Special Program Notes: The descriptions herein are summaries only and do no 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. 2Benefits are available to personal checking account owner(s), and their joint account owners 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. 3Credit file monitoring may take several days to begin following activation.  4Available online only.

*Registration/activation required.

Insurance Products are not insured by NCUA or any Federal Government Agency; not a deposit of or guarnteed by the credit union or any credit union affiliate.


Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the airline industry, Piedmont Advantage Credit Union (PACU) now serves member-owners, who reside, work, worship or attend school in one of the 13 counties it serves in North Carolina or who are employed by one of its many employer companies. These 13 counties are Bladen, Brunswick, Columbus, Cumberland, Davie, Duplin, Forsyth, Guilford, Iredell, Mecklenburg, New Hanover, Pender and Rockingham. A nonprofit cooperative financial institution, PACU has 10 branches throughout its service regions and employs a workforce of over 120.

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