No Minimum Balance Fees
Free Checks
CO-OP ATMs Nationwide
Open Online
We use cookies to enhance site navigation, analyze site usage and assist with overall marketing efforts. View Details
Ready for a refreshing change? Simple+ Checking won't disappoint.
Whether you are looking merely for a place to park your paycheck to pay your bills with a free checking account2 or a chance to earn higher dividends each month3, Simple+ Checking won't disappoint with its built in conveniences, practical benefits and dependable banking features.
Even our commemorative thank you gift of the YETI Rambler® at account opening1 reflects these values that you will want with your everyday banking.
Everyday Conveniences, Practical Benefits and Dependable Banking
Use your Piedmont Advantage Debit Mastercard® with confidence for all your daily transactions needs!
Complete these 4 steps and automatically earn up to 1.75% APY3 on your checking account balance.
Maintain a balance of $100 or more
Set up a monthly direct deposit of $100 or more
Enroll in eStatements
Use your debit card at least 15X per month
Receive a Free YETI Rambler® while supplies last1
Ready to make that refreshing change with Simple+ Checking? It takes just $25 to open your account to enjoy the advantages of this checking account's everyday conveniences, practical benefits and dependable banking features.
OPEN ONLINE
To schedule an appointment with a branch representative in North Carolina to assist you with the account opening process, please select the appointment type that best suits your needs.
View items to have at account opening.
1Offer not available if you closed a Piedmont Advantage Credit Union (“PACU”) checking account on or after January 1, 2024, or if you had a PACU account which was closed with a negative balance within the last three years or closed within 90 days of account opening. You must be or become a member of PACU to open a checking account. You can receive only one bonus gift per checking account, and can only receive one bonus gift per membership. To receive the bonus gift of a YETI Rambler® 35 oz Straw Mug with PACU logo you must open and fund (minimum to open $25) a new PACU Simple+ Checking account or More Checking account from July 1, 2024, through December 31, 2024, and also enroll in each of the following within 30 days of account opening: (1) ClickSWITCH, the automated account switching platform which makes it easy to securely switch your recurring direct deposits and automatic payments from another financial institution to your new PACU checking account; (2) eStatements; and (3) online and mobile banking. Must be or become a member of PACU to open a checking account.
Bonus gift must be claimed within 90 days of emailed notice of eligibility. Bonus gift may be picked up at any PACU branch location, or may be mailed upon request at member’s expense. Failure to claim bonus gift within 90 days of emailed notification of eligibility may result in forfeiture of the bonus gift. PACU reserves the right to substitute another bonus gift of equal or greater value.
This bonus offer is tax reportable and will be reported on IRS Form 1099-INT (or Form 1042-S, if applicable). YETI Rambler® is a registered trademark of YETI COOLERS, LLC.
2Free checking account with eStatement enrollment. Without eStatement enrollment, Paper Statement Fee of $3 is charged monthly.
3APY is annual percentage yield. Simple+ Checking is a tiered rate checking account. Dividend rates and annual percentage yields for Simple+ Checking are stated in Piedmont Advantage Credit Union’s Truth-In-Savings Disclosure (“TISD”). Minimum to open checking account is $25. Minimum account balance of $100 required to earn the dividends and annual percentage yields stated in the TISD. If minimum qualification requirements are met during a monthly qualification cycle, the first dividend rate and annual percentage yield stated in the TISD will apply up to the first $20,000 of your account balance, and the second dividend rate and annual percentage yield listed in the TISD will apply to any remainder of your account balance. To meet minimum qualification requirements for a monthly qualification cycle, you must: 1) make 15 debit card purchases that post and settle your account; 2) be enrolled to receive e-statements; and 3) have one direct deposit of $100 or more settled to your account. The monthly qualification cycle is defined as a calendar month. If minimum balance requirements are met but you do not meet all of the minimum qualification requirements during a monthly qualification cycle, the third dividend rate and annual percentage yield listed in the TISD will apply to your entire account balance. As of 9/3/2024, the TISD states the following annual percentage yields for Simple+ Checking: First annual percentage yield, 1.75%; second annual percentage yield, 0.25%; and third annual percentage yield, 0.05%. Dividend rates and annual percentage yields are subject to change and may change after account opening.
