Update: 5.25.22:

In observance of Memorial Day, our branches and corporate offices will be closed on Monday, May 30, 2022.

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 and 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.

Benefit Highlights:

Cell Phone Protection1

  • Receive up to $400 of replacement or repair costs when cell phone bill is paid through this account.
  • Coverage for up to four phones.
  • $50 deductible applies and a maximum of two claims per year.

Roadside Assistance Expense Reimbursement1

  • Access to 24-hour travel emergency assistance service.
  • Roadside assistance expenses through the VIP Concierge roadside assistance network are reimbursed up to $80 per occurrence.
  • Maximum of two reimbursement claims per year.

Restaurant and Shopping Discounts1

  • Shop online using our customized shopping portal and receive cash back in your $hopping RewardsTM account to use towards future purchases.

All for a $5.95 monthly fee that won’t begin for 90 days

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

  • 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 RetwardsTM
  • Travel and leisure discounts
  • Roadside assistance expense reimbursement
  • VIP concierge services

Click here for your More Checking Welcome Kit


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

Have questions about More Checking? 

More Checking Contact Form



Popmoney® personal payment services offered at are provided by or through CheckFreePay Corporation (NMLS ID#908760), a licensed money transmitter, and/or its affiliate CheckFreePay Corporation of New York, which is licensed and regulated as a Money Transmitter by the New York State Department of Financial Services, each a wholly owned subsidiary of Fiserv, Inc.

*Registration/activation required.

1Special 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 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. 2Benefits 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. 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.

Truth-in-Savings Disclosure

Free Thank You Gift at Account Opening

When you open a new More Checking, you'll receive this free tote bag and $25 after 90 days!*

New to Piedmont Advantage?

Follow these easy steps to open your membership and new accounts:

  1. Membership begins when you open your Share Savings Account with a minimum deposit of just $5. Upon membership approval, you're set to apply for our premier credit cards, various loan solutions and many other deposit accounts.
  2. If you're not a member and have started or completed an online application, upon receipt of your application, we will follow up with you regarding your membership.
  3. You also may apply for membership or any new account by visiting a branch or calling our Member Relationship Center, 800.433.PACU.


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.

Refer-A-Friend Program

Refer friends and family to Piedmont Advantage Credit Union and you'll both get rewarded!  Click the link below to get started and start earning!  

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