Dividend Checking

Get More From Your Checking Account

A Smarter Way to Manage Your Money

You work hard for your money, so why not make your checking account work for you? With Dividend Checking, you’ll earn 0.15% APY^*on your balance while enjoying the same great benefits of our everyday banking solutions.

Earn More – Get 0.15% APY* on all balances above $1,500
Get Paid Early – Access your paycheck up to two days sooner with direct deposit^**
Bank With Confidence – No monthly maintenance fees when you maintain a $1,500 daily balance
Enjoy ATM Rebates – Get up to $30/month in ATM fee rebates when you meet qualifying criteria^***
Seamless Digital Banking – Use the Service CU mobile app to pay bills, manage subscriptions and freeze your card

money virtually coming out of a cell phone

Open a Dividend Checking Account

Digital Wallets

Pay securely with Apple Pay, Google Pay, and Samsung Pay

Loan Rate Discounts

Save with up to 0.75% APR^**** off auto, personal and motorcycle loans

Subscription Manager

Track and cancel subscriptions and recurring bills easily from your mobile app

Share Transfer Overdraft Protection

Stay covered with optional Share Transfer Overdraft Protection.±

Open a Dividend Checking Account

How does Dividend Checking work?

This account allows you to earn 0.15% APY^* on your balance while still enjoying all the great benefits of a traditional checking account.

Can I get paid early with Dividend Checking?

Yes! With direct deposit, you can receive your paycheck up to two days early, giving you access to your money faster.^**

Are there any monthly maintenance fees?

There is no monthly fee as long as you maintain a minimum daily balance of $1,500. If your balance falls below this amount, a $10 fee will apply.^*

How do ATM fee rebates work?

When you qualify, you can receive up to $30/month in ATM surcharge and foreign transaction fee rebates—perfect for those who use out-of-network ATMs.^***

^*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 2/25/25. 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.

^**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.

^***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.

^****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. Must be a member of Service CU or establish membership with $5 in a Primary Savings Account.

^±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. Transfers will be made in $100 increments.

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