A Smart Place to Bank

Membership at Peach State Has Its Benefits!

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Peach State Federal Credit Union

Membership Perks

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 5 cents to the Peach State FCU C.A.R.E.S. Foundation which makes financial donations to community programs that enrich the lives of our neighbors¹. With every swipe, you show you care!

Community First Every purchase results in a community donation.
Round-Up Round up every purchase and save for your future!
Card Monitoring You'll be notified of any suspicious activity.
5 Choices We have the right Checking Account for you.

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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.

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 CheckingNo fees and no monthly balance requirements.
Basic Checking Account

All the basics with no 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^*.
- 6 FREE transactions per month at ATMs within the MoneyPass^®, Presto!, or Accel^® networks.
- FREE pre-authorized automatic drafts.
- FREE direct deposits.
*Balance inquiries are $0.50 each. View all fees.
Premium CheckingEarn dividends and no fees with $1,000 balance.
Premium Checking Account

All of the conveniences of basic checking with the added benefit of earning dividends. This interest-bearing checking account will help you save while you spend!
- Dividend earnings on your balance.
- NO monthly fees with a minimum daily balance of $1,000.
- NO per-check charges.
- FREE ATM deposits and withdrawals at Peach State ATMs^*.
- 6 FREE transactions per month at ATMs within the MoneyPass^®, Presto!, or Accel^® networks.
- FREE pre-authorized automatic drafts.
- FREE direct deposits.
*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. 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.
- Low balance alerts via email.
- 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.

*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^*.
- 6 FREE transactions per month at ATMs within the MoneyPass^®, Presto!, or Accel^® networks.
- FREE pre-authorized automatic drafts.
- FREE direct deposits.
- A FREE box of CU Exclusive checks EVERY year!
*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!
- Debit card included.
- Move 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.

One of our specialists 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 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^*.
6 FREE transactions per month at ATMs within the MoneyPass^®, Presto!, or Accel^® networks.
FREE pre-authorized automatic drafts.
FREE direct deposits.

*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 interest-bearing checking account will help you save while you spend!

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

*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. 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.
Low balance alerts via email.
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.

*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^*.
6 FREE transactions per month at ATMs within the MoneyPass^®, Presto!, or Accel^® networks.
FREE pre-authorized automatic drafts.
FREE direct deposits.
A FREE box of CU Exclusive checks EVERY year!

*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!

Debit card included.
Move 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.

One of our specialists 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 in this powerful checking account.

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*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

0.25%

APY*

0.25%

Balance

Over $5,000.01

Dividend Rate

0.25%

APY*

0.25%

Effective October 24, 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.

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^*. 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!

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

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You Make A BIG Difference With Every

Swipe of Your Debit Card!

The 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.

Learn More

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Share Your Story

Peach State gave me a second chance when other financial institutions turned me down. They worked with me to patch up my finances, equipped me tools to better manage my finances and even helped me rebuild my credit. Thank you, Peach State Credit Union.

- L. Pierson

I opened a Savings and Checking Account on a Friday in under 20 minutes. I was so impressed, I returend the next day to add my fiancé to the account! The staff was superhelpful and professional.

- K. Hackney

For years we grew more frustrated with the big bank we used. Peach State answered all questions and made switching easy. Our only regret is that we didn't make the switch sooner. Thank you for serving your member's needs.

- C. Burnette

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.

Joining Peach State is easy! Once you’re ready to open an account, you’ll need the following...

You can either contact our Call Center at 678.889.4328 or 855.889.4328, or visit any Peach State branch location...

How do I change my debit card PIN?

For security purposes, you will need to visit a branch location to change your debit card PIN. Please bring your...

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