Checking Account

State Employees' Credit Union offers a checking account that is convenient and affordable. By owning a SECU checking account, your $1 maintenance fee is automatically contributed to the SECU Foundation. The SECU Foundation promotes local and community development by primarily funding high impact projects in the areas of housing, education, healthcare and human services.

Do you have a checking account with another financial institution and want to move it to SECU? Use the Checking Account Switch Kit to make your transition easier.


  • Current interest rate is % / % APY1
  • $0 required minimum balance2
  • Dividends-earned compounded daily, paid monthly
  • $ monthly maintenance fee, unless instructed otherwise, is automatically donated by the member to SECU Foundation3
  • 50 checks per statement period free4
  • Accessible via ATM, ASK SECU, Member Access, branch and our 24/7 Member Services
  • Overdraft transfer service is available with no fee for two separate days per year
  • Online BillPay service
  • Debit cards for purchases and ATM transactions
  • Automated drafts and deposits
  • Online images of most cleared checks
For detailed information, please review the Checking Account Fees and Terms (Versión en Español).

You may apply for a checking account online via Member Access.
1 Quoted rates and annual percentage yields (APY) are subject to change daily.
2 Initial deposit must cover cost of initial maintenance fee(s) and check order(s).
3 Zard checking accounts do not have the option of contributing the $ fee to the SECU Foundation.
4 Cleared items exceeding 50 incur $, per item, fee.