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Checking Account

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

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.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 feeYes3Yes3
Minimum balance requiredNo2No
Returned check and stop payment feesNoNo
Earns dividendsYes1No
Eligible for Overdraft Transfer ServiceYes6No
Debit cardYesYes
Direct deposits and BillPayYesYes
Write checks and authorize ACH draftsYesNo
Helps protect against overspendingNoYes7
NSF feesYesNo7


Learn more about CashPoints Global

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.