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  The Pennsylvania State Employees Credit Union Checking Account

The Pennsylvania State Employees Credit Union Checking Account

in Checking Accounts from The Pennsylvania State Employees Credit Union · Member ncua

Unaffiliated

The Pennsylvania State Employees Credit Union Checking Account

Unaffiliated

in Checking Accounts from The Pennsylvania State Employees Credit Union · Member NCUSIF

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

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $2
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05%

The Pennsylvania State Employees Credit Union Checking Account Review

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

Key Takeaways
  • Higher than average APY. The Pennsylvania State Employees Credit Union Checking Account has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $500.
  • $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 Credit Union Checking 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 reimbursements. 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 Credit Union.
PSECU checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Not FDIC-insured.
  • Charges a higher than average fee on out-of-network ATM transactions.
PSECU checking account FAQ

Are checking accounts from The Pennsylvania State Employees Credit Union federally insured?

Yes, your The Pennsylvania State Employees Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 Credit Union Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

PSECU checking account offers an APY of 0.05% (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.

PSECU checking account Account Minimums
Description Amount
Minimum Opening Deposit $0
APY Minimum Balance $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 Credit Union Checking Account Fees
Description
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $8
Check Copy $1
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Paper Statement Fee $5
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
ATM Fee: Out-of-Network $2

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 reimbursement - 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.

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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Contact

  • Headquarters
  •   1 Credit Union Pl
    Harrisburg, PA 17110
  •   Visit Site

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 Credit Union

Availability

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

Feature Breakdown

APY Minimum Balance $500
Minimum Opening Deposit Starting at $0
ATM Fee: In-Network $0
Debit Card Replacement Fee $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Reimbursement Monthly Limit $8
Check Copy $1
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $5
Returned Deposit Fee (International) $5
Stop Payment Fee $10
Wire Transfer Fee - Domestic (Outgoing) $10
Wire Transfer Fee - International (Outgoing) $10
ATM Fee: Out-of-Network $2
Bank Account Features
  • ATM Reimbursement
  • Bauer Financial A+/A Rating
  • Check Images with Statement
  • Debit Card
  • Fraud Monitoring
  • Free Bill Pay
  • Interest Bearing Account
  • IRAs
  • Mobile Banking
  • Nationwide ATM Network
  • NCUA Member
  • No ATM Fees
  • No Monthly Maintenance Fee
APY (Annual Percentage Yield) 0.05%

The Pennsylvania State Employees Credit Union Checking 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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