Surge Checking Accounts

Our First-Ever Checking Account in 90 Years of Service

Public Service Credit Union proudly presents the Surge Share Draft Checking Account – a revolutionary first in our 90-year history of serving our community.

The Public Service Difference

Enjoy all the modern amenities of a checking account with the local service you know and love from Public Service Credit Union. Access your money whenever you need it with debit card purchases, personal checks for bills and gifts (available in June 2025), convenient bill pay for automatic payments (available in June 2025), and the personalized attention that only a community credit union can provide.

Surge Checking Account; Earn an incredible 10% Annual Percentage Yield

Surge Checking Account

Earn an incredible 10% APY*

Surge ahead with your savings while enjoying the convenience of a checking account. Earn an industry-leading 10% APY on your first $1,000 – that's up to $100 per year just for keeping your money with us! Dividends are paid monthly, putting more money in your pocket more often.

Minimal Fees, Maximum Value

We believe banking should be accessible to everyone. Surge Checking has:

  • No minimum balance requirements

  • $5 monthly maintenance fee – easily waived when you:

    • Enroll in e-statements OR

    • Are age 60 or better

Celebrating 90 Years with a Special Promotion

Be one of the first 90 members to open a Surge Checking Account and you'll be entered into a drawing to win a $90 gift card! It's our way of saying thank you for being part of our continuing legacy of member service.

Banking That Moves at Your Speed

COMING SOON Our completely updated online banking platform and new mobile app make managing your money easier than ever:

  • Transfer funds between accounts instantly

  • Set up automatic savings transfers for your financial goals

  • Access your line of credit directly through your checking account

  • Use funds immediately with your debit card

  • Bank securely from anywhere – at home or on the go

Mastercard® Debit Card Convenience

Every Surge Checking Account comes with a powerful Mastercard® debit card at no additional cost:

  • Accepted worldwide – anywhere Mastercard is accepted

  • Enhanced security with chip technology and contactless payments

  • 24/7 fraud monitoring protection for your peace of mind

  • Digital wallet compatibility coming September 2025 (Apple Pay and Google Wallet)

  • Access thousands of surcharge-free ATMs nationwide through the Shazam Network

    • Locate ATMs at shazam.net or look for the Privileged Status logo

  • Flexible spending with $1,000 daily purchase limit (can be temporarily increased upon request)

  • $300 daily ATM withdrawal limit

  • Receive your card in 3-7 business days by mail

    • Same-day pickup available at our Wausau branch

    • Next-day delivery available for most WPS and We Energies employees via inter-office courier

Who Can Open a Surge Checking Account?

Available to all credit union members age 16 and over. Not a member yet? Join today and experience the difference of banking with a financial institution that puts people before profits.

Ready to Surge Ahead?

Open your account today:

Rate may change after account is opened. Fees may reduce earnings.