Smart Checking is Public Service Credit Union’s only checking account. There are no monthly fees, no minimum balance requirements, plus you can earn interest too!
- No monthly fees or annual fees
- No minimum balance
- VISA debit card
- Online banking and mobile app
- Access to 4900+ surcharge-free ATMs with 40+ in Fort Wayne
- Bill pay & mobile check deposit
How to earn interest:
You can earn a great rate on balances up to $10,000 if you meet 3 easy requirements.
1st requirement – Have 10 VISA debit card transactions* clear your account each calendar month. To make qualified purchases make sure you press the credit button.
2nd requirement – Receive e-Statements. E-statements are a fast and secure way to receive your statement online.
3rd requirement – Have one ACH deposit or withdrawal from your checking account per month. Have your payroll, social security, child support, pension or other check direct deposited. You could also have one of your bills electronically withdrawn each month.
SEE IF YOU’VE MET ALL 3 REQUIREMENTS TO EARN INTEREST
- Login to your account online.
- Click on Account Summary under the My Accounts Menu
- Next to your My Smart Checking Balances you will see a blue dot with the letters QD in it.
- Click on the QD dot then Click on Status.
- You will see which of the 3 requirements you have met or not met for the month.
*To make sure your debit card transaction qualify look for the letters DBT at the beginning of the description in your account summary. There are some business like Kroger, Walmart and McDonalds that are not running transactions as credit under a certain dollar amount. even when you sign your name. These transactions WILL NOT count towards the 10 required for the month. Contact us with questions at 260-432-3433.
Conveniently access the money in your account with a Public Service Credit Union VISA Debit/ATM card. Use your debit card at stores to make purchases by pressing the credit button and signing for your transaction. You can also use your debit card at an ATM to get cash from your savings or checking account by entering your PIN.
Have your check electronically deposited into your account for instant access to your money! Don’t worry about losing your check, making it to the CU on time, or check holds anymore. Here’s what you’ll need to know to sign up:
- Routing Number: 274973358 This number is the same for all members of Public Service Credit Union.
- Account Number: Look at your statement for your account number. It is located in the upper right side of the first page. (Don’t use the numbers from the bottom of your check.)
- Account type: Savings or Checking. If you want your money put into an account other than your savings or checking let the credit union know and we can set up a split to any other account for you.
Overdraft protection transfers money from one of your other accounts at the credit union when you don’t have enough money in your checking. You only pay a $5 fee each time we make a transfer.
VISA OVERDRAFT PROTECTION
Use your PSCU VISA as protection for any overdrafts you may have. We’ll automatically transfer the money to your checking and you only pay interest on the balance until you pay it back. Give us a call to set up your VISA as a form of overdraft protection.
MY OVERDRAFT PRIVILEGE (MY ODP)
If you have direct deposit into your checking account you may be eligible for My ODP. With My ODP the credit union pays for transactions that take your account below your available balance up to your qualified limit. You are charged a $30 fee each time you use My ODP but your check or automatic withdrawal isn’t returned so you’ll save the embarrassment and extra fees associated with a return. Call the credit union to find out if your account is eligible.
*Overdraft Protection transfer fees apply for each transfer. See Fee Schedule for list of fees. My ODP fee is charged for each transaction that puts your account below the available balance. All transactions that may take your account below the available balance are subject to a fee. Negative account balances must be paid within a 30 day period. The credit union reserves the right to not pay an overdraft for any reason. Contact the credit union for an up to date fee schedule.
MANAGE MY CARDS
You can easily manage your card activity and security all from your mobile app. Lock and unlock your cards, too! Did you lose your card? Temporarily lock it to prevent it from being used by anyone else. If you find it, you can unlock it just as easily! To get started open your mobile app, tap more in the bottom right then Manage My Cards or watch this How-To video below!
E-Notices are a faster way to learn about what’s happening to your account. Why wait for the mail when you can receive your notices electronically the same day? With e-notices you’ll get an email about a new alert in your online banking for things like:
- Insufficient Funds (NSF)
- Overdraft Transfers
- Overdraft Protection
- Late Payment Notices
- Certificate Renewals
Subscribe to e-Alerts to receive notifications about your account by email or text. Get an alert when your account goes above or below a balance, when an ACH is deposited or withdrawn, or when your loan payment is due. Customize e-Alerts to fit your needs.