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  The Pennsylvania State Employees CU Account
The Pennsylvania State Employees CU Account
in Checking Accounts from The Pennsylvania State Employees CU · Insured by NCUA
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The Pennsylvania State Employees CU Account

Unaffiliated
in Checking Accounts from The Pennsylvania State Employees CU · Insured by NCUA
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

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0 users are unsure
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Highlights
Community Rating

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Cashback Rewards N/A
APY (Annual Percentage Yield) 0.10%
(Verified 08/08/2022)
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee N/A

The Pennsylvania State Employees CU Account Review

The Pennsylvania State Employees CU Account is offered by The Pennsylvania State Employees CU, a credit union founded in 1997 and based in Harrisburg, PA. The Pennsylvania State Employees CU Account is available in 50 states (and Washington, DC).

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.10%.
  • $0 monthly fee. This account does not charge a monthly Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. The Pennsylvania State Employees CU Account does not charge fees on ATM transactions within its network but there is a fee of up to $2 for out-of-network ATM transactions.
  • Up to $8 in ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through The Pennsylvania State Employees CU.

PSECU checking account Pros & Cons

Pros Cons
  • Available in all 50 states.
  • Dividend-yielding account
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Charges a higher than average fee on out-of-network ATM transactions.

PSECU checking account FAQ

Are checking accounts from The Pennsylvania State Employees CU federally insured?

Yes, your The Pennsylvania State Employees CU checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does PSECU checking account offer?

The Pennsylvania State Employees CU Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.10%

PSECU checking account offers an APY of 0.10% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $500.

What are the account minimums for PSECU checking account?

PSECU checking account does not require a minimum initial deposit.

The Pennsylvania State Employees CU Account Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Earn APY $500

What fees does PSECU checking account charge?

The good news is that this account does not have a monthly Service Charge.

The Pennsylvania State Employees CU Account Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
ATM Reimbursement Monthly Limit $8
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $5
Returned Deposit Fee (International) $5
Stop Payment Fee $10
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $10
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $1
Debit Card Replacement Fee $0
Early Account Closure $0

Does PSECU checking account charge overdraft fees?

Yes, PSECU checking account charges a $30 fee for every overdraft.

PSECU checking account offers overdraft protection at a cost of $30 per transaction.

What features and perks does PSECU checking account offer?

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $8.
  • Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
  • Fraud monitoring - PSECU checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - PSECU checking account allows you to manage your money online or with a mobile app.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for PSECU checking account?

The customer support email for PSECU checking account is support@psecu.com.

How do people rate the customer service and user experience of PSECU checking account?

Overall, PSECU checking account is strongly recommended based on community reviews that rate customer service and user experience.

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Message From The Pennsylvania State Employees CU

We make checking simple. We offer just one personal checking account. No monthly fees. No complicated rules. No hidden charges. Even if you don’t write many paper checks, a checking account is still one of the most useful financial accounts you can have. Our checking account makes it easy to make and receive payments, without carrying cash. 

Contact

Hours of Operation

  • Sunday Closed
  • Monday 7:30am - 4:30pm
  • Tuesday 8:00am - 4:00pm
  • Wednesday 8:00am - 4:00pm
  • Thursday 8:00am - 4:00pm
  • Friday 7:30am - 4:30pm
  • Saturday Closed

Other Services by The Pennsylvania State Employees CU

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Earn APY $500
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $2
ATM Reimbursement Monthly Limit $8
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $5
Returned Deposit Fee (International) $5
Stop Payment Fee $10
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $10
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $1
Debit Card Replacement Fee $0
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
APY (Annual Percentage Yield) 0.10%
(Verified 08/08/2022)

The Pennsylvania State Employees CU Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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