Ready to get more from your checking account? Super Smart Checking is for the overachievers who are ready to do more and earn more! You get no monthly fees, no minimum balance requirements, and earn interest when you meet 4 requirements. It’s time to make your money work harder for you!
EARN A GREAT RATE WHEN YOU MEET 4 REQUIREMENTS:
Meet four requirements each month and watch your checking account earn dividends:
- Make 20 debit card purchases – Use your Visa debit card for everyday spending
- Enroll in e-Statements – Get your statements online—fast, secure, and paperless
- Set up direct deposit of $1,000 or more – Automatic deposits from your paycheck, social security, or other income
- Log in once a month – Access your account in online banking or the mobile app
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
- Online bill pay – Pay bills in seconds
| Super Smart Checking | APY* |
|---|---|
| Super Smart Checking Account |
|
| Meeting Criteria- $0.00 - $10,000.00 | 4.00% |
| Meeting Criteria- $10,000.01 - $25,000.00 | 2.00% |
| Meeting Criteria-$25,000.01 & Greater | 0.25% |
| 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 four monthly requirements: 20 debit card transactions, e-Statements enrollment, direct deposit of $1,000+, and one online/mobile banking login. 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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