More than enough to manage your money!

Piedmont Advantage Credit Union's More Checking account saves you money at restaurants in North Carolina or elsewhere, provides cell phone protection, helps protect your identity and covers the expense to fix a flat tire, just to name a few.

The More Checking is an all digital, checkless checking account with discounts, bonus benefits, and no overdraft or NSF fees.

Financial Needs:

  • Avoidance of overdraft fees or non-sufficient funds (NSF) fees with built-in overdraft protection.
  • No need for checks.
  • Credit score monitoring.
  • Convenience.
  • Lower account balances.
  • Earning interest (dividend) not a priority.

Getting Started:

  • $25 deposit to open.
  • No minimum balance requirement.
  • Membership requirements if not a member already: $5 deposit to open a Regular Share Savings.

$5.95 Monthly Fee for Discounts and Benefits:

  • Credit report and score.
  • Identity theft and monitoring with security alerts and resolution services.
  • Cell Phone protection coverage.
  • Debit Advantage® buyer's protection and extended warranty.
  • Shopping RewardsTM
  • Travel and leisure discounts.
  • Roadside assistance expense reimbursement.
  • VIP concierge services.

For members between the ages of 18 and 22, monthly fee is waived.

For members 23 years old and older, monthly fee is waived for the first 90 days after account opening.


OPEN NOW or visit your local North Carolina branch to start enjoying all the benefits of More Checking!

Have questions about More Checking? 

Select an appointment type below to schedule a meeting to learn more about More Checking.

Click to View Checklist. 
Documents to bring to open account.


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 Benefits and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefits or on the certificate of insurance. Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable benefit. 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. Credit file monitoring may take several days to begin following activation.

Insurance products are not insured by NCUA or any federal government agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

For more information and disclosures about this account, please click the Personal Disclosures link at the bottom of this page.

Welcome Gift at Account Opening

When you open a new checking account, you'll receive this free Alfresco Cooler Bag*!

Early Direct Deposit

Get your paycheck and federal benefits two days early with a direct deposit!


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.

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