Checking Account

Open a Checking Account

Debit Card

Debit Card

Easily make purchases and perform ATM transactions.1

Direct Deposit

Direct Deposit

Automatically deposit your paycheck into your account.

No Fee ATMs

No Fee ATMs

All transactions performed at a SECU Cashpoints® ATM are fee-free.2

BillPay

BillPay

Schedule recurring and one time payments.

Overdraft Transfer Service

Overdraft Transfer Service

Prevent unpaid items by protecting your checking account.

E-Statements

E-Statements

Access E-Statements online through Member Access.

Frequently Asked Questions


There is no minimum balance required to open the account or earn the stated dividend rate. Once the account is open, sufficient funds must be maintained in the account to cover the $1 monthly maintenance fee and other authorized charges (debits, checks ordered, stop payments placed, etc.).
Yes. Dividends are compounded daily and credited monthly on the same day your statement is generated. Checking accounts are variable rate accounts, which means the dividend rate and Annual Percentage Yield (APY) may change.

See Deposit Rates

There is a $1 monthly maintenance fee. With all checking accounts, except Zard, this fee is donated to the State Employees' Credit Union Foundation unless you opt out of the contribution.

Learn About SECU Foundation

For each statement period you are allowed up to a total of 50 checks, teller cashed items and Another Chance items. If you have more than 50 of these items in a statement period, you will incur a service charge of $0.20 per item.
Your account is accessible via ATM, ASK SECU, Member Access, Mobile Access, our local branches, our 24/7 Member Services, and the SECU Mobile app.
Yes. SECU offers an Overdraft Transfer Service.

Learn About Overdraft Transfer

Yes. SECU offers an online BillPay service, which you can access through Member Access, Mobile Access, and the SECU Mobile App.

Learn About BillPay

Yes. Debit cards are available and can be used to make purchases and perform ATM transactions. Access cards are also available.

Learn About Debit Cards

You can view images of your cleared checks online through Member Access, Mobile Access, and SECU’s Mobile App.

Open a Checking Account

For more information, see SECU Checking Account Fees and Terms (Versión en Español).
1 Access cards are also available
2 Members also have access to the entire PLUS ATM network for a $0.75 fee per completed transaction. The ATM owner could impose an additional fee.