Simple+ Checking
Simple+ Checking is built to keep up with you. From just getting started, building momentum or entering a new chapter, this account adjusts to support your financial journey with no switching, no extra effort.
$25
1.75%
$0
$0
Life doesn’t stand still, and neither should your checking account
Simple+ Checking is more than just a place to manage your money. It’s a flexible account that adapts to your life without you lifting a finger. Start with a basic account and unlock more benefits as your needs evolve. Here’s how Simple+ Checking evolves with you:
Start Simple, then Start Earning.
You begin with a basic checking account that covers all the basics. It’s like a trusty backpack that holds everything you need.
Keep a $100 monthly balance, and the account shifts gears, quietly earning you dividends in the background. Your money is working, even when you’re not.
Reach Premium Status.
Use your debit card 15 times a month, go paperless with eStatements, set up a monthly direct deposit of $100 or more and maintain a $100 monthly account balance. Your reward? A premium 1.75% APY.1,2
It’s like your account high-fiving you for doing what you were already doing.
Turn 50? Get More.
When you hit the big 5-0, your account celebrates with you. It automatically upgrades to what some call a “senior” or “silver” account, unlocking free personalized and official checks.
Unlike other financial institutions, we don’t require you to open a new account to get this benefit because age should come with privileges, not unnecessary paperwork.
Belonging Starts with Your New Checking Account. And a Great Gift.
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 account2 to unlock a gift of a PACU Mid-Century Baseball Hat or PACU Nostalgia Tote Bag3. Pair it with a new 12-month or longer-term PACU Share Certificate4 to receive another one of these great gifts.
PACU Checking Account Experience
Our checking accounts simplify money management, making it easier and more enjoyable. What sets this account apart:
- Get paid up to two days early with direct deposit. This extra time can make a real difference for bill payments, unexpected expenses or just a little extra breathing room.
- Enjoy fee-free access to thousands of ATMs nationwide. You can access your money wherever life takes you.
- Bank anytime, anywhere. Manage your account, pay bills, transfer funds, and monitor your finances 24/7 with our digital banking tools, available on desktop and mobile.
- Digital Wallet Compatibility. Add your PACU Debit Mastercard® to Apple Pay® or Google Wallet® and leave your wallet at home.
- 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 Warning Signs
- Someone contacts you claiming to be from a financial institution, the government or a family member asking for money.
- They tell you you have won a prize or gift, but must pay money or taxes before receiving it.
- They create a sense of urgency to cause you to panic and act quickly.
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
1APY is annual percentage yield. Minimum to open checking account is $25.
2Current 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.
3Promotional 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.
4Current 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.
For more information and disclosures about this account, please click the Personal Disclosures link at the bottom of the page.