Open a Free Checking Account | Public Service Credit Union



Checking Accounts

Checking Accounts

At Public Service Credit Union, our Checking Accounts are designed to help members manage their finances while keeping in touch with their money – 24 hours a day, 7 days a week.

3 Types of Checking Accounts

Depending on what you need, Public Service Credit Union offers three different checking account plans. They are designed with you in mind, and the benefits only get better with each choice.



*BillPay: Free with at least 1 bill paid per month

**Dividends: Dividends paid on balance up to $10,000.00 @ 2.00% APY*

***Free ID Theft Protection: Click Here for Details

  • Fully Managed Identity Theft Research, Remediation and Recovery
  • Lost Document Replacement
  • Identity Theft Expense Reimbursement Insurance - $25,000 Limit
  • Entitlement to One Bureau Credit Monitoring

    *APY = Annual Percentage Yield Fees may reduce the earnings on your account. Monthly Rates listed above are the rates paid last quarter/month. Rates are subject to change at any time. Certificates will automatically renew at maturity unless redeemed. The renewed certificate will earn the current rate at the time of renewal. 

A checking account is a vital service for a financial institution to provide to its members. Whether it be withdrawing or depositing funds, it is how most of us access our money on a daily basis. So, it is crucial to have a reliable method of doing so.

Using a checking account with Public Service Credit Union is convenient and simple. There are many locations throughout the Michigan area, which means that you have access to your cash anytime.

Whether you want to open a checking account online, or in person, our representatives are able to help. Below you can read about the many benefits of having you own checking account with PSCU.

Keep Your Money Safe

With secure transactions and identity fraud protection, Public Service Credit Union is an extremely reliable method of banking. Your savings are federally insured to at least $250,000 and we are backed by the full faith and credit of the United States Government.

Friendly and Helpful Staff

All of the staff at Public Service Credit Union are members of the credit union as well. We are all active members in our community and care about our customers. We take the time and effort to go the extra mile to make you happy!

Online Checking Accounts

For even more convenience, Public Service Credit Union also offers you the option of managing your money through an online checking account and mobile banking. These services make it even easier to bank with us and keep track of your finances. Check your finances online or use our PSCUnow App!

No High Minimum Balance Account Requirements

You do not need to have large sums of money in your account in order to enjoy the many benefits that we offer our members. If you are looking for a free checking account, all you need is a $250 monthly account balance minimum with PSCU.

The Advantages of Public Service Credit Union Debit Cards

Public Service Credit Union offers debit cards with each of its checking accounts. Our debit cards allow you to make purchases with money directly from your checking account anywhere that Mastercard is accepted as a method of payment. It can be used to withdraw money directly from an ATM and can be used to make purchases in stores or online. If your debit card is the main method of accessing your funds, Public Service Credit Union offers this as a trustworthy service for all our members. It can be used 24 hours a day, 7 days a week, at nearly any ATM or point of purchase that is available. 

Using it is fast and easy; best of all, there is no annual fee for a debit card from one of our checking accounts.

Public Service Credit Union Offers Better Returns and Lower Rates

If you are looking for the best checking account to fit your financial needs, we are confident that we are the right credit union for you. Public Service Credit Union is able to offer high-quality financial services with lower rates than most traditional banks. As a credit union, the interests of our members control the organization, which means that we are always working towards a common good for all of us!

We firmly believe that the success of the credit union is the success of its members. This often translates to better interest rates for our loans and higher returns on investments (ROIs), which means that you are able to get the most out of your money.

With Public Service Credit Union, you have the resources of a big bank with the personal touch of a local one. If you would like to open a checking account with PSCU, contact us at 734-641-8400 or just step into one of our many locations across Michigan. 

Featured Rate

  • Auto loan 3.49% apr*
  • Additional Rates
  • *The loan rate above is the lowest rate given at PSCU