Whether you're single, starting a family or looking forward to retirement, Piedmont Advantage Credit Union's Simple+ Checking is a basic free checking account that adjusts as your financial needs change throughout the stages of your lifetime. 

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

 Simple+ Checking Account rewards you automatically with monthly competitive and premium interest payments (or dividends) on a monthly basis 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
  • NO monthly service charges

At the heart of this checking account: NO MONTHLY SERVICE FEES

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:

Open your Simple+ Checking account today!

Just $25 deposit to open. APPLY NOW


Or visit one of our North Carolina 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”), which is located under Personal Disclosures at the bottom of this page. Minimum to open checking account is $25. Minimum account balance of $100 required to earn the dividend 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 $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 settled 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 4/1/22, the TISD states the following annual percentage yields for Simple+ Checking: First annual percentage yield, 0.65%; second annual percentage yield, 0.10%; and third annual percentage yield, 0.10%. Dividend rates and annual percentage yields are subject to change and may change after account opening.

FREE Thank You Gift at Account Opening

When you open a new checking account, 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!  

Piedmont Advantage Credit Union's Routing Number: 253177861

Headquartered in Winston-Salem, North Carolina, and founded in 1949 within the aviation industry, Piedmont Advantage Credit Union (PACU) serves member-owners, who reside, work, worship, attend school or operate a business in one of the six counties it serves in North Carolina or who are employed by one of its many employer companies. These six counties are Davie, Forsyth, Guilford, Iredell, Mecklenburg and Rockingham.

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