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brains + moolah


Built for YOUR future

Dollar bills

No minimum balance

Leave those pesky minimum balance fees behind

Alarm clock

Only $5 to open

A low minimum opening deposit so you can open with ease

Alarm clock

For Ages 8-23

Account rolls into a simple checking on your 24th birthday


Waive ATM Fees

We'll waive up to $10 of ATM fees per month!


Waived NSF Fees

Waive 4 NSF fees per year

Financial Independence

A joint account with parents to help guide students in the right direction.

Your first checking account

Open your Student Checking account today!

It takes 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 different perks?

Check out these options

Cashback Checking

Only $25 to open, no minimum balance, and earn 1% cash back. You can’t get better than that.

Learn More

Simple Checking

Free paper statements, no minimum balance, and only $5 to open. Now that’s easy as pie.

Learn More


Membership eligibility required. Rates are variable and may change at any time without notice. Fees and other conditions may reduce earnings. Superior Checking must be opened with an initial $100 minimum deposit. The minimum balance to earn 3.00% Annual Percentage Yield (APY) is $5,000. The minimum balance to earn 2.00% Annual Percentage Yield (APY) is $25,000.01. To earn 3.00% APY or 2.00% APY, member must maintain a minimum daily average of $5,000 along with an active loan, a business relationship, or $500+ monthly direct deposit. Members who do not meet account requirements or exceed a balance of $100,000 will earn 0.10% Annual Percentage Yield (APY) on account balance. These rates are current as of 2/23/2023.

With 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.

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