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Checking Accounts

Banking. Made. Easy.

Day–to-Day Banking
At Pacific Service Credit Union, we’ve made day-to-day banking easy with our checking accounts. But who needs checks? We offer state-of-the art online banking and our mobile banking app. Combine that with access to over 5,300 shared branches and 30,000 free ATMs in Northern CA and nationwide and you’ve got market-leading banking.

Get Paid Early with Direct Deposit
Simply establish direct deposit of your paycheck and we’ll deposit the funds to your account as soon as we receive them…sometimes up to two days early.

Compare Checking Accounts

Free Checking Relationship Checking FirstStep Checking Plu$ Checking
Perfect for: People who don’t have direct deposit People with direct deposit Students or young adults age 23 or younger People with high balance checking accounts
Monthly fee: $0 $0 with direct deposit or $25,000 in combined deposit and loan balances; otherwise $10 $0 $0 with a $7,500 average monthly balance; otherwise $10
Minimum balance: $0 $0 $0 $0
Earn dividends: No No No Yes
Checks: First box of logo checks free Free logo checks First box of logo checks free Free logo checks
ATM fee reimbursement: None ATM fee reimbursement up to $3 per transaction and $15 per month ATM fee reimbursement up to $3 per transaction and $12 per month None
Perks: Free cashier’s checks 0.25% APR discount on future vehicle loans; free notary and signature guarantee; free cashier’s checks Free cashier’s checks Free notary and signature guarantee; free cashier’s checks

Northern CA Branches and Nationwide ATMs
Your nearest branch is at your fingertips. Our online and mobile banking platforms use state-of-the-art technology allowing you to verify balances, pay bills, pay other people, transfer money, and apply for a loan in a safe and secure environment.

We have six CA branch locations in Concord, Clovis, Fresno, Livermore, Pleasant Hill, and San Ramon and over 5,300 shared branch locations for your convenience. Shared branch locations are in partnership with other credit unions that allow you to use their branch to perform basic transactions. Find a shared branch location near you. Enter your ZIP code in the search bar and use the search option toggle to ensure the shared branch option is selected. Or, text 91989 with your ZIP code to receive a list of branches and ATMs near you.

Our partnership with the CO-OP network provides access to over 30,000 surcharge-free ATMs nationwide making it one of the largest free ATM networks in the country. You can make withdrawals, deposits or transfer money. Find the nearest ATM with our branch and ATM Locator.

Checking Account Protection
Sometimes life happens and there may not be enough money in your account to cover transactions. Don’t worry, we’ve got you covered. Both overdraft protection and courtesy pay are designed to prevent checking account transactions from being declined due to non-sufficient funds (NSF).

Overdraft protection allows funds to be transferred from a designated credit union account to pay otherwise rejected items. This is a free service.

Courtesy pay allows your account to go negative in order to pay otherwise rejected items. There is a fee for this service, but we do not return the item to the merchant or biller or reject your point-of-sale purchase with the merchant. This service automatically covers checks, bill payments and electronic payments. If you would like to cover ATM and debit card transactions you must opt-in. Simply login to online or mobile banking and select Overdraft Protection from the dropdown menu, then select Courtesy Pay to enroll. 

Open an account online, give us a call, or visit one of our six CA branch locations in Concord, Clovis, Fresno, Livermore, Pleasant Hill, and San Ramon to learn more.

Final checking account establishment and Visa debit card are subject to approval through ChexSystems. Minimum age to open a checking account is 13. Free overdraft protection transfers available from established savings, money market or Visa accounts. Courtesy pay fee is $25 per item when you overdraw your account by check, ACH, ATM or debit card transactions. Repayment is required within 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you are delinquent or in default in any other respect on any loan or obligation. Courtesy pay protection for debit and ATM transactions requires member consent. Some restrictions apply.

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