Simple+ Checking adjusts as your financial needs change throughout your lifetime.


Gone are the days of opening and closing accounts when you want your checking account to start earning competitive or premium interest. Or upon turning 50 years old, closing your existing account and opening a new one that offers additional benefits for seniors. What a waste of your time!


Simple+ Checking rewards you automatically with monthly competitive and premium interest payments (or dividends) when you maintain a higher account balance and use the services at Piedmont Advantage Credit Union in North Carolina; and if you’re unable to do so, it’s as if you never left your basic free checking account with...

  • NO minimum balance requirements and
  • NO monthly service charges

To earn a competitive interest rate, just $100 minimum account deposit

To earn a premium interest, just $100 minimum account deposit plus the following service-use requirements:

  • Debit card use at least 15 times per month,
  • A direct deposit and
  • eStatement enrollment

It’s this simple:


Open your Simple+ Checking account today!

Just $25 deposit to open. APPLY NOW


Or visit one of our branches. A Member Experience Advisor (MEA) will process your application on the spot. For branches near you, go to

To schedule an appointment with a MEA, please complete this Simple+ Form below for a MEA to contact you directly to set the day and time most convenient for you.

Simple+ Form: Please complete to schedule appointment at one of our branches.

General Information


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.


The fast, secure and FREE way to switch your direct deposits and automatic payments from another financial institution.

Current member, who is ready to switch direct deposits and automatic payments to your Piedmont Advantage checking account? Visit your branch or call 800.433.7228 today to get your SWITCH Code.

Not a member, but ready to switch to a Piedmont Advantage checking account? Click on button below today to go to our online account opening portal to get started.

More Checking

All digital, checkless checking account with built-in benfits and discounts!
  • No NSF fees or overdraft fees
  • Credit score monitoring
  • Cell phone protection
  • Roadside assistance
  • Shopping discounts

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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