The Best Checking Account For You

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.

 

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.

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The Best Checking Accounts For GA & SC!

You've got choices! We've created five unique accounts to ensure you have what you need.

  • 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 VisaMoneyPass®, 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.

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 VisaMoneyPass®, 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.

*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
0.15%
APY*
0.15%
Balance
Over $5,000.01
Dividend Rate
0.15%
APY*
0.15%
Effective November 16, 2022

*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.

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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.

graphic-cares-peach

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.

Checking_Account_usingcarescard

Testimonial

I opened a Savings and Checking Account on a Friday in under 20 minutes. I was so impressed; I returned the next day to add my fiancé to the account! The staff was super helpful and professional.
 
- Kristen H.
For years we grew more frustrated with the big bank we used. Peach State answered all our questions and made switching easy. Our only regret is that we didn't make the switch sooner. Thank you for serving your members' needs. 
 
- Chris B.
From the first day I walked in, I felt right at home. I would highly recommend anyone in search of an institution with professional, friendly, helpful, caring personnel with the added bonus a hometown atmosphere to Peach State. 

- Lee Anne B.
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.

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