Checking Account

Open a Checking Account

Debit Card

Debit Card

Easily make purchases and perform ATM transactions.

Direct Deposit

Direct Deposit

Automatically deposit your paycheck into your account.

Statewide ATMs

Statewide ATMs

SECU CashPoints® ATMs are available across NC for 24/7 account access.1

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 an account or earn the stated dividend rate. Once an 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 paid 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 Share & Deposit Rates


There is a $1 monthly maintenance fee; however, you can choose to contribute $1 to the State Employees' Credit Union Foundation in lieu of the monthly maintenance fee.2

Learn About SECU Foundation


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.
You can access your account via CashPoints ATM, ASK SECU, Member Access, Mobile Access, our local branches, our 24/7 Member Services, and the SECU Mobile App.
Yes. We offer an Overdraft Transfer Service.

Learn About Overdraft Transfer


Yes. We offer 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.

Learn About Debit Cards


Yes. Automated drafts and direct deposits are allowed.

Learn About Direct Deposit


You can view images of your cleared checks online through Member Access, Mobile Access, and the SECU Mobile App.
The Credit Union supports clear and concise disclosure of checking account fees and terms. To review our checking account fees and terms, see SECU Checking Account Fees and Terms.
1 All transactions performed by SECU-issued cards at a CashPoints ATM are fee-free. Withdrawals using certain non-SECU issued cards are assessed a $2 surcharge fee. Visa PLUS ATM network transactions incur a $0.75 service fee for each completed transaction and a $0.35 service fee for each incomplete or denied transaction. Third-party ATM operators may impose additional surcharge fees.
2 If you choose to contribute to the SECU Foundation, the monthly $1 contribution is debited from your account only if the available balance is sufficient to cover the full $1 contribution amount. If you opt out of contributing to the SECU Foundation, a monthly maintenance/service fee of $1, or any amount in the account up to $1, will be collected. For example, if the account has a balance of $0.50 on the statement drop date, only $0.50 will be collected for the monthly maintenance/service fee. For either election, uncollected amounts do not accrue a running balance.