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Simple+ Checking is a basic free checking account that rewards you automatically with competitive and premium dividend payments on a monthly basis when you maintain a higher daily balance and use some of our services; 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
  • Just $25 to open your SimpleChecking account

Finally, no hoops to go through to maintain your basic free checking account.

To earn a competitive dividend rate, maintain just $100 minimum daily balance.

To earn a premium dividend of 1.25% APY*, maintain just $100 minimum daily balance plus the following service-use requirements:

Open your Simple+ Checking account today! 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 PACU.com/Locations.

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+ Checking Form: Please complete to schedule an appointment at one of our branches.

General Information

 

*APY 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”), 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 10/13/22, the TISD states the following annual percentage yields for Simple+ Checking: First annual percentage yield, 1.25%; 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.

Early Direct Deposit

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

FREE Thank You Gift at Account Opening

When you open a new checking account, you'll receive this free Alresco Cooler Bag and $25 after 90 days!*

ClickSWITCH

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!  

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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