Open a Service Credit Union Checking Account
Personalized checking accounts designed to fit your lifestyleAt Service Credit Union, we believe online checking accounts should be personalized to fit your needs and come with great rewards, like cashback on special offers and qualified purchases. And with all our checking accounts, you can get paid up to two days early with direct deposit.*
Free Checking Account Options
Everyday Checking is our free checking account that offers three levels of benefits: Basic, Direct Deposit and Direct Deposit+. As your relationship with us grows, you’ll gain access to more features and benefits for each personal checking account.
Everyday Checking
Basic
- Rewards on debit card purchases like cashback on qualified purchases
- Ease of online banking with mobile bill pay and remote check deposit**
Everyday Checking
with Direct Deposit
- Get paid up to two days early with direct deposit*
- .50% APR*** loan discounts on auto, personal, motorcycles and more.
- Up to $15 a month in ATM surcharge and foreign transaction fee rebates****
Everyday Checking
Direct Deposit+
- Get paid up to two days early with direct deposit*
- .75% APR*** loan discounts on auto, personal, motorcycles and more.
- Up to $30 a month in ATM surcharge and foreign transaction fee rebates****
Earn More with a Service Credit Union Dividend Checking Account
Our Dividend Checking account has all the benefits of our Everyday Checking account, but you’ll earn 0.15% APY in dividends on the first penny!†
*Immediate credit of your direct deposit to your Service CU account up to two (2) business days early is based upon when we receive your payroll from your employer. Service CU cannot assume any liability for not depositing these funds to your account early.
**Must be 18 years old to deposit checks remotely. Members between the ages of 13 and 17 years old must have a parent/legal guardian accept the terms and conditions. Standard funds availability policy and other restrictions apply. Please see terms of use agreement for additional details. Checks deposited in real time are subject to Service Credit Union discretion.
***Loan Discounts do not apply to real estate, lines of credit, business loans, certificate or share secured consumer loans, or VISA loans. Discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The collateral age and loan term may impact the APR offered. Members must maintain the checking account tier qualifications for the life of the loan in order to keep their loan discount. Discount conditions will be set forth in your loan contract. Floor rate may apply.
****ATM surcharge fees and foreign transaction fees will be rebated up to $15 a month for the Direct Deposit Checking Account tier and up to $30 a month for the Direct Deposit+ Checking Account tier. Excludes Basic Checking Account tier. Rebates will be applied to account on the first business day of the following monthly cycle that the rebate eligibility requirements were met. ATM surcharge fee rebates would apply to fees imposed by non-network ATM owners/operators.
†Must be a member of Service Credit Union or eligible for membership with at least $5 in a Primary Savings Account. Dividend Checking earns .15% variable Annual Percentage Yield (APY). Rate is accurate as of 05/01/23. There is a monthly maintenance fee of $10.00, if the balance falls below $1,500.00 on any calendar day. The fee is assessed on the last day of the month. Please see our Fee Schedule for a full list of benefits.