Smart Checking turns your everyday banking into earnings. Meet three easy requirements each month and earn dividends on your balance. No complications, just rewards for smart banking.
EARN A GREAT RATE WHEN YOU MEET 3 EASY REQUIREMENTS:
- Make 10 debit card purchases – Use your Visa debit card for everyday spending
- Enroll in e-Statements – Get your statements online—fast, secure, and paperless
- Have one ACH transaction – Set up direct deposit or an automatic bill payment
WHAT’S INCLUDED:
- No monthly fees – Keep more of what you earn
- No minimum balance – Start with any amount
- Visa debit card – Shop anywhere Visa is accepted
- 30,000+ free ATMs – Including 5 in Huntington and 41 in Fort Wayne Find One Near You
- Online & mobile banking – Manage your money anytime
- Mobile check deposit – Skip the branch
| Smart Checking | APY* |
|---|---|
| Smart Checking Account |
|
| Meeting Criteria- $.01-$10,000 | 2.00% |
| Meeting Criteria-Over $10,000 | 0.15% |
| Balances that don't meet the criteria | 0.03% |
*APY = Annual Percentage Yield. Rates subject to change. Fees may reduce earnings. To earn dividends, you must meet all three monthly requirements: 10 debit card transactions, e-Statements enrollment, and 1 ACH deposit or withdraw. Dividends calculated daily and paid monthly. Limit 1 rewards based checking per SSN. See Credit Union for complete details. Account Disclosures. Fee Schedule.
Do you want to Round-Up your debit card transactions? LEARN MORE
NOT A MEMBER YET?
Becoming a member is quick and simple. If you live or work in Allen or Huntington County, you likely qualify—and there are other ways to become eligible too.
Join today and get access to competitive rates, real support, and benefits that help your money go further.
OVERDRAFT OPTIONS
Link another PSCU account as backup. If you overdraft, we’ll transfer funds automatically. Just $5 per transfer.
VISA OVERDRAFT PROTECTION
Use your PSCU Visa credit card as overdraft coverage. You only pay interest on what you use until it’s paid back.
MY OVERDRAFT PRIVILEGE (MY ODP)
Eligible members with direct deposit can get overdraft coverage up to their qualified limit. $30 fee per transaction, but your payments go through without the embarrassment or extra fees of a return.
*Contact us to set up overdraft protection or learn about My ODP eligibility.
MANAGE YOUR MONEY
CARD CONTROLS
Lock or unlock your debit card instantly through the mobile app.
Lost your card?
Lock it until you find it.
Tap “More” → “Manage My Cards” to get started.
E-NOTICES & E-ALERTS
Get instant notifications about your account via email or text:
- Low balance alerts
- Direct deposit notifications
- Overdraft notices
- Loan payment reminders
Customize alerts to fit your needs.
LEARN MORE ABOUT E-ALERTS
DIRECT DEPOSIT
Set up direct deposit in minutes:
- Routing Number: 274973358
- Account Number: Found on your statement (upper right corner)
- Account Type: Checking
CHECK YOUR PROGRESS:
Want to see if you’ve met your requirements for the month?
- Login to online or mobile banking
- Click or tap on your checking account
- Select “Rewards Requirement Status”
You’ll see exactly which requirements you’ve met and what’s still needed before month-end.
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