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Make money while you spend money

Cashback Checking

Earn 1% cash back

Dollar bills

Earn 1% cash back¹

with 10 or more debit card purchases per month

Alarm clock

Get Paid Early²

Enroll in direct deposit and get paid up to 2 days early!


No Minimum Balance

Focus on your FUNds, not balance requirements.


Only $25 to open

A low initial deposit with high rewards!


Courtesy Pay³

Low on funds? We’ll temporarily cover purchases up to $750

It's like a reward. I can make everyday purchases and get money back! A little gift to myself, thanks past-self for signing me up!

— Sarah B
Cashback checking

Open your 1% cash back checking account today!

Start earning in as little as 7 minutes!


Early Pay

Get your money up to 2 days sooner than you typically would! It's as simple as enrolling in direct deposit! There’s no fees or separate enrollment/activation.

Round Up

Automated savings by rounding up each purchase made with your debit card to the next whole dollar and depositing it into a savings account or a round-up certificate!

Looking for something a little different?

Check out this option

Simple Checking

No minimum balance, and only $5 to open. Now that’s easy as pie.

Learn More


*APY=Annual Percentage Yield

¹Membership eligibility required. Earn 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. Fees may reduce earnings.
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.

³Courtesy pay available for qualifying accounts only. A qualified account includes:

  1. Bringing an account to a positive (not $0) balance at the opening of the Credit Union on the thirtieth (30th) day of being negative and for a minimum period of 24 hours;
  2. Not being in default on any loan or other obligation to Superior Choice Credit Union;
  3. Not being subject to any legal or administrative order or levy or Bankruptcy; and
  4. Having a current address on file with Superior Choice Credit Union.A $32 courtesy pay fee will apply. Courtesy pay is limited to a maximum of $750 overdraft balance per member including any and all fees and charges, as set forth in our fee schedule.

Heads Up! Online Banking will be down June 22nd/23rd, from 7pm to 8am for system updates.