Woman paying with a debit card

The Checking Account That Gives You More

Bank smarter with an account that lets you get paid early,* enjoy loan discounts,** and manage your money effortlessly, all with no monthly maintenance fees.
Open a Checking Account

Free Checking Designed With You in Mind

Whether you're building for the future or just need a hassle-free way to spend and save, our Everyday Checking account comes with the tools and benefits to help you stay ahead.

Here's what you get with every account:

Zero Monthly Maintenance Fees - Keep more of your money in your wallet
Smart Money Management - Track spending, pay bills and transfer funds with ease
Secure Payments - Use your digital wallet for fast, contactless checkout
Subscription Manager - Monitor, manage and cancel subscriptions with one click. Powered by ScribeUp.

The More You Bank, the More You Get

Start with the basics and unlock more benefits by using direct deposit and making everyday transactions.

Everyday Checking Basic

  • Online banking that’s like having a branch in your pocket
  • No monthly maintenance fees

Everyday Checking with Direct Deposit

  • Get paid up to two days early*
  • 0.50% APR** loan discount on auto, personal, and motorcycle loans
  • Up to $15/month in ATM surcharge and foreign transaction fee rebates***

Everyday Checking with 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/month in ATM surcharge and foreign transaction fee rebates***
Open a Checking Account
Set Up Direct Deposit Today
Switching is easy with our Direct Deposit Switch Tool. Log in, find your employer, and update your payroll settings in just a few clicks.
Open a Checking Account

Powerful Features That Make Banking Easier

Subscription Manager

Subscription Manager

Keep track of your subscriptions and easily manage payments right from your account.
Digital Wallets

Digital Wallets

Add your debit card to Apple Pay, Google Pay or Samsung Pay for secure, contactless payments.
My Cards

My Cards

Set spending limits, monitor transactions, and freeze your card if needed from your mobile app.

See Why Members Love Our Checking Accounts

Pete

Nashua, NH

"A+ all around!

New member here, and so far I am VERY impressed with the service. Every other business and service should take notes on how you all do business."

"A+ all around!

New member here, and so far I am VERY impressed with the service. Every other business and service should take notes on how you all do business."

Pete

Everyday Checking FAQs

Find answers to common questions about opening and managing your checking account.

What do I need to open a checking account?
A government-issued ID, your Social Security number, and an initial deposit.
How does getting paid up to two days early work?
We deposit your paycheck as soon as your employer sends it, giving you faster access to your money. The availability of your funds varies by employer.*
Are there any fees for these accounts?
No. There is no monthly maintenance fee on our Everyday Checking account.
How do ATM surcharge and foreign transaction fee rebates work?
Depending on your account tier, you’ll get up to $15 or $30 in ATM and foreign transaction fee rebates every month, credited automatically.***
Can I switch between checking account tiers?
Yes. Your checking account tier will automatically change based on your direct deposit and number of transactions.
*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 a member of Service CU or establish membership with $5 in a Primary Savings Account.

**Loan Discounts do not apply to real estate (excluding HELOC), lines of credit, business loans, certificate or share secured consumer loans, Instant Loans or VISA loans. Discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier. The loan type, 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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

***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.