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Checking accounts make it easy to manage your finances

Your personal checking account is the hub of your financial life. Whether you write checks, use a debit card at the gas station or pay bills online, your checking account is where it all happens. At Service Credit Union, we believe personal checking should be just that—personalized to fit your needs. From your first student account to our Five Star Checking service that pays dividends, we’ve got your lifestyle covered. And with all our checking accounts, you can get paid up to two days early with direct deposit.*

Five Star Service Checking

Five Star Service Checking pays dividends at tiered rates, so the more you deposit, the more you earn. You’ll pay no maintenance fees on minimum average daily balances of $1,500 or more and get access to free mobile banking apps in addition to checks and a Visa® debit card. We’ll even refund your ATM fees and foreign transaction fees, each up to $20 a month.

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Classic Service Checking

Our Classic Service Checking requires no minimum balance, carries no monthly maintenance fees, and includes checks. You get overdraft protection for a nominal fee, and the account also includes international online bill paying.

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Basic Service Checking

This paperless account is our simplest offering for folks who don’t need checks or paper statements and who appreciate low fees. In addition, you get a Visa® debit card, convenient online statements and online bill pay services. What could be simpler than that?

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Student Checking

Student Checking is the perfect solution for anyone age 13-25. This account has no monthly fees, no minimum balance and comes with a Visa® debit card. You can even pay bills and deposit checks from your phone.

Checking Account Comparison

Five Star Classic Basic Student
ATM Refunds on Non-SCU / Non-CO-OP ATMs**Up to $20/moN/AN/AN/A
ISA Refunds on Non-SCU / Non-CO-OP ATMs**Up to $20/moN/AN/AN/A
Loan Discount with Direct Deposit***YesYesYesYes
Free ATM Withdrawals on Non-SCU / Non-CO-OP ATMs****First 5N/AN/AFirst 4
Monthly Maintenance Fee$10±$0$0$0
Unlimited Check WritingYesYesN/AYes
Online Banking / Bill PayYesYesYesYes
Ecommunications with E-statementsYesYesYesYes


*Immediate credit of your direct deposit to your SCU account up to two (2) business days early is based upon when we receive your payroll from your employer. SCU cannot assume any liability for not depositing these funds to your account early.

**Non-SCU ATM fees include surcharges imposed by foreign ATM owners; these fees may be refunded as noted above on Five Star Service Checking.

***Discount requires direct deposit of net pay (not allotment) and selection of the automatic loan payment feature.

****The Five Star Service Checking account will receive five free withdrawals monthly from non-Service Credit Union (SCU) ATMs, and ATM surcharges from other financial institutions will be refunded up to $20 a month and Visa® International Service Assessment (ISA) fees on debit, and credit cards combined will be rebated up to $20 monthly. The Student Checking account will received 4 free withdrawals monthly from non-Service Credit Union (SCU) ATMS. To receive these rebate benefits, you must maintain a positive balance in all your SCU accounts. Refunds will be applied to account on the first business day of the following monthly cycle that the rebate eligibility requirements were met. Excludes Basic Service Checking and Classic Service Checking.

±With your authorization, Share Transfer Overdraft Protection (S.T.O.P.) allows us to transfer money from a share account or multiple share accounts to cover any overdrafts in your checking account for a nominal fee. See the Fee Schedule for the fee amount. Due to federal regulations, no more than six transfers can be made per calendar month from each share account. Transfers will be made in $100 increments.

±±$30 courtesy pay fee will be assessed per item for the Five Star Service Checking account and Classic Service Checking account. The Basic Service Checking account is not eligible for this service. A $10 courtesy pay fee will be assessed per item for the Student Checking account. Fee is waived for everyday debit and ATM transaction overdrafts until your account balance exceeds $25, if you opt in. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, or by other electronic means. You have 33 days to pay your negative balance before you will be considered no longer in good standing with Service Credit Union. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing or you have too many overdrafts. Overdraft transfers and fees are activated based on your available balance, which may be less than your current balance, depending on pending charges, holds and pledges on your account.

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