Checking Accounts

Everyone has different needs when it comes to managing their money. We have options tailored for you! All of our checking accounts come with an instant issue debit card, free mobile check deposit, free estatements, and much more. Plus, all the convenience of Online banking and our Mobile app.

Open A Checking Today!

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Everyday Checking

• Primary Owner must be 18 or over
• ChexSystems required (unless they have a Checking in good standing)
• Free Instant Issue Debit Card
• May be eligible for Courtesy Pay and CLOC
• POS $3,000; ATM $500
• First order of checks are free (if ordered within 30 days of account opening)

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  High Yield Checking

• Primary Owner must be 18 or over
• ChexSystems required (unless they have a Checking in good standing)
• Free Instant Issue Debit Card
• May be eligible for CLOC but NOT Courtesy Pay
• POS $3,000; ATM $500
• First order of checks are free (if ordered within 30 days of account opening)

Interest-Bearing

Tier 1 - 0.25%

• Did not meet minimum requirements
• Any amount over $30,000

Tier 2 - 2.28% APR / 2.30% APY

• Up to $30,000 average daily balance if minimum requirements met

Minimums

• 10 debit card transactions per month
• eStatements
• $500 electronic deposit per month (direct deposit, online banking transfer, or ACH)

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  Fresh Start Checking - Now BankOn Certified

• Primary Owner must be 18 or over
• Failed ChexSystems required (will NOT pass ChexSystems with unpaid chargeoffs!)
• Free Instant Issue Debit Card
• Not eligible for Courtesy Pay or CLOC
• POS $1,000; ATM $500
• First order of checks are free (if ordered within 30 days of account opening)

Minimums

• Must have $100 monthly deposits
• Must enroll in eStatements
• $5 fee if minimums not met
• Fresh Starts prior to March 1st, 2023 are grandfathered in and will not have minimums or fees.

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  Early Start Checking

• Primary Owner must be 10-17
• Must have Joint Owner who is the parent/legal guardian
• ChexSystems on Joint Owner(s) (unless they have a Checking in good standing)
• Free Instant Issue Debit Card
• Not eligible for Courtesy Pay or CLOC
• POS $500; ATM $500
• First order of checks are free (if ordered within 30 days of account opening)

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  Senior Checking

• Primary Owner must be 60 or over
• ChexSystems required (unless they have a Checking in good standing)
• May be eligible for Courtesy Pay or CLOC
• Free Instant Issue Debit Card
• POS $3,000; ATM $500
• Free checks; however, on checking agreement states 2 free boxes per year

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  	Everyday	High Yield	Fresh Start	Early Start	Senior
  Monthly Service Fee2	None	None	$5 If Monthly Minimums Not Met	None	None
  Interest Bearing	No	Yes: Unless Member Did Not Meet Minimums	No	No	No
  Minimum Account Qualifications	None	10 Debit Card Transactions (Excluding ATM Withdrawals) Posted Within Calendar Month; Enrolled In E-Statements; Total Electronic Deposits of at least $500 per Month	Total Deposits (cash, check, or electronic transfers) of at least $100 per Month; Enrolled in E-Statements	None	None
  Debit Card Limits1	POS $3,000 Daily Max; ATM $500 Daily Max	POS $3,000 Daily Max; ATM $500 Daily Max	POS $1,000 Daily Max; ATM $500 Daily Max	POS $500 Daily Max; ATM $500 Daily Max	POS $3,000 Daily Max; ATM $500 Daily Max
  Free Checks	Free Starter Checks Upon Request3	Free Starter Checks Upon Request3	Free Starter Checks Upon Request3	Free Starter Checks Upon Request3	Up to 2 Free Boxes per Calendar Year
  Overdraft Protection Options1	Automatic Transfer From Savings ($3 fee); After 60 Days of Account Opening, May be Eligible for Courtesy Pay Coverage up to $750 Negative Balance Inclusive of $29 Overdraft fee for each Overdraft Transaction OR Checking Line of Credit up to $3,000 based on Creditworthiness	Automatic Transfer From Savings ($3 fee); No Courtesy Pay Coverage; May be eligible for Checking Line of Credit up to $3,000 based on Creditworthiness	Automatic Transfer from Savings ($3 fee) No Courtesy Pay or Checking Line of Credit Coverage	Automatic Transfer from Savings ($3 fee) No Courtesy Pay or Checking Line of Credit Coverage	Automatic Transfer From Savings ($3 fee); After 60 Days of Account Opening, May be Eligible for Courtesy Pay Coverage up to $750 Negative Balance Inclusive of $29 Overdraft fee for each Overdraft Transaction OR Checking Line of Credit up to $3,000 based on Creditworthiness

  
  
  

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⁽¹⁾ See separate Checking Account Overdraft Disclosure for additional information on overdraft procedures and processing.
⁽²⁾ See separate Fee Schedule for all other transaction fees.
⁽³⁾ Must Contact a SOCU representative within 30 days of account opening to order free starter checks. Seniors can contact a SOCU representative at any time to order free checks.

*All checkings subject to credit approval. To qualify for the reward, open a 1st checking for the primary member with a debit card, e-statements and direct deposit to receive a $50 bonus deposit to your new checking account. All requirements must be completed within 60 days of new checking account opening. Your checking account must remain open in order for you to receive the reward, which will be credited to the eligible account within 10 days after all conditions have been met and will be identified as "SOCU Checking Promo Reward" on your monthly statement. A qualifying Direct Deposit is defined as a recurring Direct Deposit of a paycheck, pension, Social Security or other regular monthly income electronically deposited by an employer or an outside agency into your Checking account. The total amount of all qualifying Direct Deposits credited to your checking account must be at least $100.00 or more. Transfers from one account to another do not qualify as Qualifying Direct Deposits. Not eligible for business accounts. Offer may be extended, modified or discontinued at any time. Federally insured by the NCUA.