Earn up to 3.00% APY
With a minimum average daily balance of $5,000
Get Paid Early
Enroll in direct deposit and get paid up to 2 days early!
Only $100 to open
Earn MORE with Superior Checking!
Mo' money = Mo' money. That's hard to beat.
Open your interest-bearing checking account today!
It takes as little as 7 minutes
CHECKING ACCOUNT ADD-ONS
LET'S MAKE IT OFFICIAL.
Make the switch to SCCU!
Like to keep a lower balance?
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.
Simple Checking
Free paper statements, no minimum balance, and only $5 to open. Now that’s easy as pie.
Disclosures
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. 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. These rates are current as of 2/28/2023.
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.
Compare
All SCCU Checking accounts have a VISA Debit/ATM card option. Each checking account, except for Teen Checking, requires an initial $25 deposit.
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.
*The rate for the AMP checking account is variable and is subject to change at any time. 15 non-ATM debit card transactions must be swiped and posted to the account in order to be counted for the qualifying 15 swipes. This account must have E-statements and a valid e-mail address in order to be eligible for the dividend rate. AMP accounts that do not meet the requirements in a statement cycle will receive a reduced rate dividend. Please see an SCCU employee for details.
**Bill 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).
***Please 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.
****Cash Back Checking requires enrollment in eStatements and a valid email address. Debit transactions must post to the account during the statement cycle to earn the 5 cents per transaction. A lump sum deposit will be made at the end of each statement cycle.
Superior-checking
Simple Checking is just that — convenient and easy to use for people at any financial stage.
Account details:
- $25 initial deposit
- No minimum balance
- No monthly account fees
- Free and unlimited check writing and debit purchases
- Cashback at merchants
- No fee at SCCU ATMs
- Free online banking with bill pay**
- Eligible for Courtesy Pay up to $750***
amp-checking
AMP your checking for greater returns with an AMP Checking account.
This account is great for those who are interested in earning a greater return on their balance, without increasing their risk. All it takes to qualify is enrollment in eStatements with a valid email address.
Account details:
- $25 initial deposit
- No minimum balance
- No monthly account fees
- Cashback at merchants
- No fee at SCCU ATMs
- Free online banking with bill pay**
- Eligible for Courtesy Pay up to $750***
cash-back-checking
Cash Back Checking makes a lot of cents. Literally.
This account is perfect for those who use their debit card regularly for everyday purchases. Earn 5¢ per swipe on any non-ATM debit transaction and we’ll deposit the total amount earned directly into your account at the end of each statement period. It’s that simple.
- $25 initial deposit
- No monthly fees
- No minimum account balance
- Cashback at merchants
- No fee at SCCU ATMs
- Free online banking with bill pay**
- Eligible for Courtesy Pay up to $750***
teen-checking
As your teenager prepares for the next stage in life, Teen Checking will help build the foundation for healthy financial habits.
This account, which is designed for members ages 13-17, is titled in the minor member’s name, with a parent or guardian over the age of 18 as the secondary account holder. This provides ample opportunity for you to teach your child how to use checking accounts and be responsible with money.
Account details:
- No initial deposit required
- No monthly fees
- No minimum account balance
- Cashback at merchants
- No fee at SCCU ATMs
- Free online banking
- Two fee reversals allowed while teen learns to manage account
- Account rolls into Simple Checking account upon 18th birthday
round-up-checking
Want to save a little more money each month without feeling a big impact on your checking account? Round-Up Checking might be the perfect option. This service rounds up each purchase made with your debit card to the next whole dollar and deposits it into your Membership Savings or Christmas Club Account. This allows you to reach your savings goals without making large deposits.
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Rates Effective as of: March 31, 2023
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