The Best Checking Account For You

Apply For Membership
Order Checks
Giving back with every purchase!
A checking account that's the perfect fit!

The Best Checking Account For

Our Community!

Peach State Checking Accounts come with a Peach State FCU C.A.R.E.S. Visa Debit Card. With each debit card purchase you make, we'll donate a nickel to the Peach State FCU C.A.R.E.S. Foundation which makes financial donations to community programs that enrich the lives of our neighbors.1 With every purchase, you show you care!

  • Community First Every purchase results in a community donation.
  • Round-Up Enroll in our Visa Debit Card Round Up program to save for your future!
  • Alerts and More Enable low balance alerts, transaction alerts, and more.
  • Options to Fit Your Needs We have the right Checking Account for you.
Apply For Membership

 

1 $0.05 per transaction of Peach State Federal Credit Union’s merchant interchange income from our Visa Debit Card program is used to benefit the communities we serve. We will determine where/how funds are disbursed. This does not affect members’ accounts, nor will any member information be disclosed. You will not incur any additional fees or charges from this program. Merchant interchange income is derived from fees that a merchant pays to accept credit/debit card payments. The C.A.R.E.S. program may or may not apply to ATM transactions, certain commercial transactions, or other transactions not processed by Visa.

community of people smiling

The Best Checking Accounts
 In Georgia And South Carolina!

You've got choices! We've created five unique accounts to ensure you have what you need. We offer the best checking accounts for young professionals, members over 60, and everyone in between. Find your perfect fit today!

  • Basic CheckingNo monthly service fees or minimum balance requirements.

    Basic Checking Account

    All the basics with no monthly service fees or minimum balance requirements. If you thought convenience and checking together was a thing of the past, we're here to surprise you with our Basic Checking Account!

    • NO monthly service fees.
    • NO minimum balance requirements.
    • NO per-check charges.
    • FREE ATM deposits and withdrawals at Peach State ATMs.1
    • 6 FREE transactions per month at ATMs within the Visa, MoneyPass®, Presto!, or accel® networks.
    • FREE pre-authorized automatic drafts.
    • FREE direct deposits.

    1 Balance inquiries are $0.50 each. View all fees.

  • Premium CheckingEarn dividends and no monthly service fees with $1,000 balance.

    Premium Checking Account

    All of the conveniences of basic checking with the added benefit of earning dividends. This checking account will help you save while you spend!

    • Dividend earnings on your balance.
    • NO monthly service fees with a minimum daily balance of $1,000.
    • NO per-check charges.
    • FREE ATM deposits and withdrawals at Peach State ATMs.1
    • 6 FREE transactions per month at ATMs within the Visa, MoneyPass®, Presto!, or accel® networks.
    • FREE pre-authorized automatic drafts.
    • FREE direct deposits.

    1 Balance inquiries are $0.50 each. View all fees.

  • eXtreme CheckingFor young adults ages 14-21.

    eXtreme Checking Account

    For members ages 14-21 we want to help you get started with your first checking account.1 We're keeping it simple with no monthly service fees or minimum balance requirements, and your first 40 checks are free!

    • NO monthly service fees.
    • NO minimum balance requirements.
    • Set up low balance alerts through Online and Mobile Banking.
    • FREE first order of 40 checks.
    • FREE financial education from BALANCE Financial Fitness.
    • FREE gift when you open your account!

    Learn more about eXtreme Checking on our Teen Checking Account page.

    1 Young adults under the age of 18 must have a parent or guardian as a joint owner on their checking account. View all fees.

  • CU60 CheckingA checking account for members ages 60+.

    CU60 Checking Account

    An easy-to-use checking account that comes with free checks every year! For members 60 years old and older, this checking account is for you.

    • NO monthly service fees.
    • NO minimum balance requirement.
    • NO per-check charges.
    • FREE ATM deposits and withdrawals at Peach State ATMs.1
    • 6 FREE transactions per month at ATMs within the Visa, MoneyPass®, Presto!, or accel® networks.
    • FREE pre-authorized automatic drafts.
    • FREE direct deposits.
    • A FREE standard box of checks EVERY year!

    1 Balance inquiries are $0.50 each. View all fees.

  • Fresh Start CheckingA great option for those who need a second chance.

    Fresh Start Checking Account

    Need a fresh start with your finances? We get it! If you've been turned down by other financial institutions or simply need a second chance with managing your finances, our Fresh Start Checking Account might be what you're looking for!

    • Eligible for a Debit Card.
    • You may request an upgrade to a Basic or Premium Checking Account after just 12 months!

    We're here to help you get back on track. Visit one of our Branch Locations or submit a request on our Contact Us page to schedule an appointment.

    A member of our team will review all of the options available to you and help you choose the best path forward.

    View all fees.

Basic Checking Account

All the basics with no monthly service fees or minimum balance requirements. If you thought convenience and checking together was a thing of the past, we're here to surprise you with our Basic Checking Account!

  • NO monthly service fees.
  • NO minimum balance requirements.
  • NO per-check charges.
  • FREE ATM deposits and withdrawals at Peach State ATMs.1
  • 6 FREE transactions per month at ATMs within the Visa, MoneyPass®, Presto!, or accel® networks.
  • FREE pre-authorized automatic drafts.
  • FREE direct deposits.

1 Balance inquiries are $0.50 each. View all fees.

Premium Checking Account

All of the conveniences of basic checking with the added benefit of earning dividends. This checking account will help you save while you spend!

  • Dividend earnings on your balance.
  • NO monthly service fees with a minimum daily balance of $1,000.
  • NO per-check charges.
  • FREE ATM deposits and withdrawals at Peach State ATMs.1
  • 6 FREE transactions per month at ATMs within the Visa, MoneyPass®, Presto!, or accel® networks.
  • FREE pre-authorized automatic drafts.
  • FREE direct deposits.

1 Balance inquiries are $0.50 each. View all fees.

eXtreme Checking Account

For members ages 14-21 we want to help you get started with your first checking account.1 We're keeping it simple with no monthly service fees or minimum balance requirements, and your first 40 checks are free!

  • NO monthly service fees.
  • NO minimum balance requirements.
  • Set up low balance alerts through Online and Mobile Banking.
  • FREE first order of 40 checks.
  • FREE financial education from BALANCE Financial Fitness.
  • FREE gift when you open your account!

Learn more about eXtreme Checking on our Teen Checking Account page.

1 Young adults under the age of 18 must have a parent or guardian as a joint owner on their checking account. View all fees.

CU60 Checking Account

An easy-to-use checking account that comes with free checks every year! For members 60 years old and older, this checking account is for you.

  • NO monthly service fees.
  • NO minimum balance requirement.
  • NO per-check charges.
  • FREE ATM deposits and withdrawals at Peach State ATMs.1
  • 6 FREE transactions per month at ATMs within the Visa, MoneyPass®, Presto!, or accel® networks.
  • FREE pre-authorized automatic drafts.
  • FREE direct deposits.
  • A FREE standard box of checks EVERY year!

1 Balance inquiries are $0.50 each. View all fees.

Fresh Start Checking Account

Need a fresh start with your finances? We get it! If you've been turned down by other financial institutions or simply need a second chance with managing your finances, our Fresh Start Checking Account might be what you're looking for!

  • Eligible for a Debit Card.
  • You may request an upgrade to a Basic or Premium Checking Account after just 12 months!

We're here to help you get back on track. Visit one of our Branch Locations or submit a request on our Contact Us page to schedule an appointment.

A member of our team will review all of the options available to you and help you choose the best path forward.

View all fees.

Premium Checking Account Dividends

The Peach State Premium Checking Account pays dividends monthly! Earn while you spend with this powerful checking account.

Apply For Membership

*APY – Annual Percentage Yield. This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account.

Premium Checking Account Dividends

Balance
Dividend Rate
APY*
Balance
Up to $5,000.00
Dividend Rate
0.30%
APY*
0.30%
Balance
Over $5,000.01
Dividend Rate
0.30%
APY*
0.30%
Effective July 18, 2025

*APY – Annual Percentage Yield. This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account.

Dad teaching kid about savings accounts with a piggy bank

ROUND UP

Save more with the Visa Debit Card Round Up Program!

 

At Peach State, we're all about finding smart ways to bank. With our Visa Debit Card Round Up Program, each purchase you make with your Visa Debit Card will be rounded up to the nearest dollar. These excess funds will be transferred to your Round Up Savings Account overnight.2 Turn every debit card purchase into an opportunity to save!

  • Shop like you normally would.
  • We'll round up your purchases to the nearest dollar.
  • Each night the rounded up funds will be deposited into a special Round Up Savings account.
  • You save more!

Enroll in the Visa Debit Card Round Up Program today!

2 A separate club account will automatically be opened when signing up for and using the Visa Debit Card Round Up program.

Apply For Membership
decorative chevron pattern
Peach State CARES graphic

You Make A BIG Difference With Every

Purchase with the Card That C.A.R.E.S.!

The Peach State FCU C.A.R.E.S. Foundation is supported by our C.A.R.E.S. Visa Debit Card program as well as contributions from outside donors. For every purchase made with a Peach State Visa Debit Card, Peach State will donate a nickel to the C.A.R.E.S. Foundation, which supports non-profits, school systems, and the arts in the communities within our footprint.1

1 $0.05 per transaction of Peach State Federal Credit Union’s merchant interchange income from our Visa Debit Card program is used to benefit the communities we serve. Peach State will determine where/how funds are disbursed. This does not affect members’ accounts, nor will any member information be disclosed. You will not incur any additional fees or charges from this program. Merchant interchange income is derived from fees that a merchant pays to accept credit/debit card payments. The C.A.R.E.S. program may or may not apply to ATM transactions, certain commercial transactions, or other transactions not processed by Visa.

Happy friends making a difference with a Peach State CARES Card

Testimonial

Share Your Story

The process for establishing and managing new checking and savings accounts are very efficient. 

- Richard J.

Many services available. Online banking is great. Giving back to the community is awesome! Feel safe from fraud overall. 

- Karen J.

Friendly, prompt, and on top of fraud. I love Peach State FCU!

- Betty J.

Frequently Asked Questions

These are a few of the commonly asked questions about Checking Accounts.
For even more FAQs, check out our Member Knowledge Base.
What do I need to open an account?
Joining Peach State is easy! Once you’re ready to open an account, you’ll need the following...
Read More
How do I order a new debit card?
You can either contact our Call Center at 678.889.4328 or 855.889.4328, or visit any Peach State branch location...
Read More
Does Peach State offer Zelle?

After careful consideration and substantial research, we have decided not to offer Zelle due to....

Read More
Member Knowledge Base
Three Practical Budget Templates

3 Free Templates!

Budgeting Templates

Stay in control of your finances! These budgeting templates make it easy to stay on top of your monthly spending and create good habits.

  • Fillable online
  • Calculates in real-time
  • Easy to use and understand