Checking Rates

APY=Annual Percentage Yield All SCCU Checking accounts have a VISA Debit/ATM card option. Check printing services may be used through SCCU; prices dependent on check styles. If you wish to use an outside vendor for your check printing, please give us a call at 1-800-569-4167 during normal business hours to get the correct account information. ²With Early Pay, funds from an eligible incoming electronic direct deposit may be available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Direct Deposit must be associated with an SCCU checking account to qualify for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Transaction limits and standard risk screening processes apply. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Eligible direct deposits are limited to electronic direct deposits of your payroll, pension, and government benefit payments into any SCCU Checking Account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g. Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers are not eligible for Early Pay. ³Bill Pay requires online banking. Agreement to online banking also enrolls a user into Electronic Statements. Should you also require paper statements with your online banking account, there is a monthly fee (please refer to a current fee schedule). ⁴Please refer to an SCCU employee for details on Courtesy Pay availability, fees, acquisition of privilege, and repayment. Courtesy Pay and the VISA Debit Card are subject to approval. Accounts will be charged the standard Overdraft fee of $32.00 for handling each overdraft created by checks, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic items that are paid and $32.00 for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to SCCU or if your account is subject to any legal or administrative order or levy. ⁵Earn up to 1.00% cash back on transaction purchases. Cashback Checking must be opened with an initial $25 minimum deposit. No minimum balance required to earn cash back. To earn 1.00% cash back, members must have $500+ monthly deposit(s) into their account and 10+ monthly debit card swipes. Cash back will be calculated and paid on your monthly statement cycle date. Cash back is paid in the form of a deposit to your Cashback Checking account. Your total cash back earnings may be reported as miscellaneous income to the IRS on a 1099-MISC form. Superior Choice Credit Union has the right to change or cancel this program at any time. ⁶Rates are variable and may change at any time without notice after account opening. Fees and other conditions may reduce earnings. Superior Checking must be opened with an initial $100 minimum deposit. No minimum balance fees. The minimum average daily balance to earn APY is $5,000. Average daily balances of $5,000-$24,999.99 will earn 3.00% Annual Percentage Yield (APY). Average daily balances of $25,000 – $49,999.99 earn 2.00% APY. Average daily balances of $50,000 – $99,999.99 earn 1.00% APY. Average daily balances over $100,000 earn 0.10% APY. To earn APY, member must maintain a minimum daily average balance of $5,000, enroll in e-statements, and meet at least one of the following requirements: have an active loan, a business relationship, or $500+ monthly direct deposit. Members who do not meet account requirements will earn 0.00% APY. APY is accurate as of the last dividend declaration date.

*APY= Annual Percentage Yield All SCCU Checking accounts have a VISA Debit/ATM card option. Check printing services may be used through SCCU; prices dependent on check styles. If you wish to use an outside vendor for your check printing, please give us a call at 1-800-569-4167 during normal business hours to get the correct account information. ²With Early Pay, funds from an eligible incoming electronic direct deposit may be available for use up to two days before the scheduled payment date. Not all direct deposits are eligible for Early Pay Day. Direct Deposit must be associated with an SCCU checking account to qualify for Early Pay. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Transaction limits and standard risk screening processes apply. Whether we make funds available early depends on when we receive the payor’s payment instructions, any limitations we set on the amount of early availability, and standard fraud prevention screening. Eligible direct deposits are limited to electronic direct deposits of your payroll, pension, and government benefit payments into any SCCU Checking Account. Other deposits or credits to your account, such as deposits of funds from person-to-person payment services (e.g. Zelle®, Venmo, or PayPal transfers), check or mobile deposits, and other online transfers are not eligible for Early Pay. ³Bill Pay requires online banking. Agreement to online banking also enrolls a user into Electronic Statements. Should you also require paper statements with your online banking account, there is a monthly fee (please refer to a current fee schedule). ⁴Please refer to an SCCU employee for details on Courtesy Pay availability, fees, acquisition of privilege, and repayment. Courtesy Pay and the VISA Debit Card are subject to approval. Accounts will be charged the standard Overdraft fee of $32.00 for handling each overdraft created by checks, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic items that are paid and $32.00 for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to SCCU or if your account is subject to any legal or administrative order or levy. ⁵Earn up to 1.00% cash back on transaction purchases. Cashback Business Checking must be opened with an initial $25 minimum deposit. No minimum balance required to earn cash back. To earn 1.00% cash back, members must have $500+ monthly deposit(s) into their account and 10+ monthly debit card swipes. Cash back will be calculated and paid on your monthly statement cycle date. Cash back is paid in the form of a deposit to your Cashback Business Checking account. Your total cash back earnings may be reported as miscellaneous income to the IRS on a 1099-MISC form. Superior Choice Credit Union has the right to change or cancel this program at any time. ⁶Rates are variable and may change at any time without notice after account opening. Fees and other conditions may reduce earnings. Superior Business Checking must be opened with an initial $100 minimum deposit. No minimum balance fees. The minimum average daily balance to earn APY is $10,000. Average daily balances of $10,000-$24,999.99 will earn 3.00% Annual Percentage Yield (APY). Average daily balances of $25,000 – $49,999.99 earn 2.00% APY. Average daily balances of $50,000 – $99,999.99 earn 1.00% APY. Average daily balances over $100,000 earn 0.10% APY. To earn APY, member must maintain a minimum daily average balance of $10,000, enroll in e-statements, and $2,500+ monthly deposit(s). Members who do not meet account requirements will earn 0.00% APY. APY is accurate as of the last dividend declaration date ⁷Fees and other conditions may reduce earnings. Non-Profit Checking must be opened with an initial $5 minimum deposit. No minimum balance fees. The minimum balance to earn APY is $0. APY is accurate as of the last dividend declaration date