Earn 1% cash back¹
with 10 or more debit card purchases per month
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!
Open your 1% cash back checking account today!
Start earning in as little as 7 minutes!
CHECKING ACCOUNT ADD-ONS
Looking for something a little different?
Check out this option
Disclosures
*APY=Annual Percentage Yield
³Courtesy pay available for qualifying accounts only. A qualified account includes:
- 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;
- Not being in default on any loan or other obligation to Superior Choice Credit Union;
- Not being subject to any legal or administrative order or levy or Bankruptcy; and
- 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.
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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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