Get an account or finance your next loan with Piedmont Advantage Credit Union in North Carolina.


Simple+ Checking is unlike any other free checking account. It combines simplicity with extraordinary rewards1

Earn up to 3.00% APY2 when monthly qualifications are met. How? Just follow these four easy steps:
  1. Maintain a minimum daily balance of $100.
  2. Set up a direct deposit of $100 or more a month.
  3. Enroll in eStatements.
  4. Use your debit card 15 times a month or more.
More than just dividends – Get paid early and more

Simple+ Checking isn't your ordinary account. With its Early Direct Deposit feature, you'll receive your paycheck faster, putting your hard-earned money in your hands sooner. No more waiting for "payment processing." Plus, upon turning 50 years old, you'll never have to pay for standard and official/certified checks again. That's right. They're FREE. 

Convenience at your fingertips

Bank anytime, anywhere with our online banking and mobile banking services. Take control of your finances with seamless, round-the-clock access to your account.

Plus, Free Alfresco Cooler Bag3

We're excited to welcome you with a fantastic offer! Open a new checking account and receive a stylish Alfresco Cooler Bag, perfect for your outdoor adventures.

Ready to make the switch to a more rewarding checking account? It only takes $25 to open your account and take advantage of these incredible rewards.


To schedule an appointment with a branch representative to assist you with the account opening process, please select the appointment type that best suits your needs.


1Free checking account with eStatement enrollment. Without eStatement enrollment, Paper Statement Fee of $3 is charged monthly.

2APY is annual percentage yield. 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 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 $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 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 10/01/2023, the TISD states the following annual percentage yields for Simple+ Checking: First annual percentage yield, 3.00%; second annual percentage yield, 1.00%; and third annual percentage yield, 0.15%. Dividend rates and annual percentage yields are subject to change and may change after account opening.

3Welcome gift promotion only applies to new Piedmont Advantage Credit Union (“PACU”) checking accounts opened and funded with a minimum of $25. Must be or become a member of PACU to open a checking account. For accounts opened in a PACU branch, an Alfresco Cooler Bag will be provided at the PACU branch upon successful opening and funding of your checking account. For checking accounts opened by phone or online, a cooler bag may be picked up at any PACU branch following opening and funding of the checking account. PACU reserves the right to substitute another gift of equal or greater value for the cooler bag. Failure to claim cooler at a PACU branch location within 90 days of notification of eligibility will result in forfeiture of the cooler bag or any substitute gift of equal or greater value.

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.

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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