You may request to open a Checking Account online through Member Access, over the phone by contacting your local branch or Member Services Support at (888) 732-8562, or by visiting your local branch.
Everyday checking with benefits
Our Checking Account allows you to make purchases, deposit and withdraw funds, and more.
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Earn dividends
View our current Share and Deposit Rates.
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Easy access to funds
Conveniently transfer money between your Checking Account and your other SECU share and deposit accounts. Make purchases and pay bills via check, debit card authorization, BillPay, or ACH.
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Direct deposit
Automatically receive paychecks via direct deposit, and get paid up to one day early through our Early Direct Deposit service.4
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Debit Card
The Visa® Zero Liability policy protects you from unauthorized or fraudulent charges on your card.5 Perform ATM transactions, pay for purchases, manage card controls, and more with your SECU Visa® Debit Card.
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24/7 access
Access your account online through Member Access or our Mobile App, at an ATM or your local branch, via ASK SECU, and through Member Services Support at (888) 732-8562.
Checking vs CashPoints® Global
Review key features and differences between Checking and CashPoints Global (CPG) Accounts.
| Features | Checking | CashPoints Global |
|---|---|---|
| $1 monthly maintenance fee | Yes3 | Yes3 |
| Minimum balance required | No2 | No |
| Returned check and stop payment fees | No | No |
| Earns dividends | Yes1 | No |
| Eligible for Overdraft Transfer Service | Yes6 | No |
| Debit card | Yes | Yes |
| Direct deposits and BillPay | Yes | Yes |
| Write checks and authorize ACH drafts | Yes | No |
| Helps protect against overspending | No | Yes7 |
| NSF fees | Yes | No7 |
Frequently asked questions about Checking Accounts
There is no minimum deposit to open a Checking Account and no minimum balance required to earn the stated dividend rate. Sufficient funds must be maintained in the account to cover the monthly maintenance fee and other charges. Review our Fees and Terms for more information.
Yes, dividends are compounded daily and paid monthly on the same day your statement is generated. Dividend rate and annual percentage yield (APY) are variable and subject to change daily at the discretion of the Board of Directors. View our rates for more information.
By enrolling in our optional Overdraft Transfer Service, you can prevent your Checking Account from incurring non-sufficient funds (NSF) fees.
You are allowed up to a total of 50 checks, teller cashed items, and Another Chance items each statement period. If you have more than 50 of these items in a statement period, you will incur a $0.20 service fee per item.
Yes. Access our online BillPay service through Member Access and the SECU Mobile App.
You can view images of your cleared checks online through Member Access and the SECU Mobile App.
Yes, you may have Checking Account(s) and other SECU share or deposit accounts that are owned jointly with the right of survivorship with additional member(s) of SECU.
You may request to close your Checking Account by sending a secure message in Member Access, over the phone by contacting your local branch or Member Services Support at (888) 732-8562, or by visiting your local branch.
