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Checking Account

Access your money where and when you need it and earn dividends1 with an SECU Checking Account.

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Everyday checking with benefits

Our Checking Account allows you to make purchases, deposit and withdraw funds, and more.

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No minimum balance

No minimum balance is required to open an account or earn dividends.2

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Low fees

Pay just $1 per month as a contribution to the SECU Foundation or as a monthly maintenance fee.3 There are no returned check or stop payment fees.

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Safeguard your account

Help protect your Checking Account by enrolling in our free and optional Overdraft Transfer Service.

Convenient features

Our low-fee Checking Account pays dividends1 and offers easy access and convenient features to manage your money anywhere.

  • flash icon Earn dividends

    View our current Share and Deposit Rates.

  • recurring funds icon 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.

  • bank building icon Direct deposit

    Automatically receive paychecks via direct deposit, and get paid up to one day early through our Early Direct Deposit service.4

  • debit card icon 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.

  • around the clock icon 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.

 

FeaturesCheckingCashPoints Global
$1 monthly maintenance feeCheckingYes3CashPoints GlobalYes3
Minimum balance requiredCheckingNo2CashPoints GlobalNo
Returned check and stop payment feesCheckingNoCashPoints GlobalNo
Earns dividendsCheckingYes1CashPoints GlobalNo
Eligible for Overdraft Transfer ServiceCheckingYes6CashPoints GlobalNo
Debit cardCheckingYesCashPoints GlobalYes
Direct deposits and BillPayCheckingYesCashPoints GlobalYes
Write checks and authorize ACH draftsCheckingYesCashPoints GlobalNo
Helps protect against overspendingCheckingNoCashPoints GlobalYes7
NSF feesCheckingYesCashPoints GlobalNo7

 

Learn more about CashPoints Global

Frequently asked questions about Checking Accounts

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Related links

  • Account Disclosures

    View our Account Rules and Regulations, Fees and Terms, and card disclosures.
  • Mobile App

    Benefit from secure account access anytime, anywhere with the SECU Mobile App.
  • Savings

    Explore our savings account offerings.
  • CashPoints® Global (CPG)

    Avoid NSF fees with a CashPoints Global Account.
  • Statements

    Learn about statement options, including choosing your statement date with e-statements.

  1. Dividend rate and annual percentage yield (APY) are variable and subject to change daily at the discretion of the Board of Directors. Dividends are compounded daily and paid monthly on the same day your statement is generated.
  2. Must maintain balance sufficient to cover monthly maintenance fee and other authorized charges.
  3. When a new Checking or CPG Account is opened, the account is automatically set up to contribute to the SECU Foundation; however, you can opt out at any time, and the $1 will be applied as a monthly maintenance fee. See our Account Rules and Regulations for how contributions or fees are debited from your account.
  4. Early access to your funds is not guaranteed.
  5. Visa Zero Liability Policy for unauthorized purchase transactions means you are not responsible for fraudulent transactions on your card if you promptly notify us of any unauthorized use. For additional details visit Visa’s Zero Liability Policy.
  6. There is no fee for our optional Overdraft Transfer Service.
  7. CPG Accounts will not accept debit transactions for more than the available balance in the account. However, the available balance is determined by posted funds and may not reflect held funds or pending charges. Therefore, the account may become overdrawn if spending is not properly monitored by the member (such as in a check register).