Since 1932, Public Service Credit Union has served Allen County and now proudly serves Huntington County too—offering better rates, lower fees, and benefits designed to help you achieve more. If you live or work in these counties, you likely qualify for membership—plus there are other ways to become eligible. Join with just $5 in a Primary Savings account and get access to all our checking accounts, loans, and services.
BENEFITS
- Card Controls (lock/unlock your card)
- Round Up your debit card transactions
- Loyalty Points Program – Earn higher savings rates, lower loan rates, and fee reimbursements
- Account Alerts
- Overdraft Protection Options
CONVENIENCE
- 30,000+ surcharge-free ATMs nationwide
- Access to 5,000+ shared branch locations
- Mobile Banking with fingerprint, PIN, or face ID login
- Mobile Check Deposit
- Online Banking with Bill Pay
Find Your Perfect Checking Account
My Smart Checking
Earn 2.00% APY* on your balance — up to $10,000
Designed for those who want to earn interest on checking.
Giveback
Checking
Get 3.00% cash back when shopping local
Made for members who want to support their community and get rewards.
Super Smart Checking
Earn up to 4.00% APY* on qualifying balances
Built for overachievers who are ready to do more and earn more.
| Monthly Requirements | My Smart Checking | Giveback Checking | Super Smart Checking |
|---|---|---|---|
| E-statements | X | X | |
| Online/Mobile Banking Login | X | X | |
| Debit Card Purchases | 10 | 20 | |
| ACH Transactions | 1 ACH Deposit or Withdraw | 1 ACH Deposit or Withdraw | ACH Deposits totaling $1000+ |
| My Smart Checking | Giveback Checking | Super Smart Checking | |
|---|---|---|---|
| Earns interest if you meet the requirements | X | X | |
| 3% cash back on local business purchases* | X | ||
| No fee if monthly requirements are not met | X | X | X |
| No monthly or annual fees | X | X | X |
| No minimum balance required | X | X | X |
| Visa debit card | X | X | X |
| 30,000+ surcharge-free ATMs | X | X | X |
| Mobile Check Deposit | X | X | X |
| Get paid early with ACH Instant Deposit* | X | X | X |
*Cash back earned at a rate of 3% on qualifying debit card purchases made at participating local businesses (www.mypscu.com/local-businesses), up to a maximum of $10.00 cash back per calendar month.
*APY = Annual Percentage Yield. Rates subject to change. Fees may reduce earnings. Limit 1 rewards based checking per SSN. Terms and conditions apply. See Credit Union for complete details.
*ACH Instant Deposit: Get your paycheck and other ACH deposits early with ACH Instant Deposit! For a $5 fee you have the option to post your pending ACH transactions yourself from your online or mobile banking. That means you can get paid up to two days early! All your normal distributions associated with your deposit will be posted early as well.
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