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Early Pay With Direct Deposit*

Up to 2 Days

That’s how much sooner you get your paycheck.



That’s how much lower your rate can be.

No Out-Of-Network ATM Fee***


That’s how much you’ll pay to use an out-of-network ATM.

Have questions? Call us at 800.936.7730 or Live Chat with us now.

Service CU Member Reviews

*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.

**The .75% reduction is available for the Direct Deposit+ checking account tier. Up to a .75% discount will be applied to the APR that a member qualifies for based on creditworthiness and checking account tier.  Members must maintain the tier qualifications for the life of the loan in order to keep their loan discount.  Floor rate may apply. Refinances of existing Service CU loans require a minimum of $1,000 in new funds to be borrowed. Loan Discounts do not apply to real estate, lines of credit, business loans, certificate or share secured consumer loans, or VISA loans. Cannot be combined with any other offer. Must be member of Service CU or eligible for membership.

***Non-Service CU ATM Surcharge Fees refers to ATM fees imposed by an ATM owner when the ATM is outside of our network. ATM rebates credited up to $30 based on the current month activity and tier level. Direct Deposit Tier will be rebated up to $15 a month and the Direct Deposit+ Tier will be rebated up to $30 a month. Members with Basic Tier level will not receive a rebate.  Rebates are applied to the account on the first business day of the following monthly cycle that the rebate eligibility requirements were met.

±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. Transfers will be made in $100 increments.

±±A $25 overdraft fee will be assessed per presentment for the Dividend Checking account and Everyday Checking account if the one-time debit card or ATM transaction that results in an overdraft is $15.01 or more. These fees will only apply if you have opted in to Courtesy Pay overdraft protection on one-time debit card and ATM transactions. Courtesy pay is only permitted on one Checking suffix per membership. The checking account will not become eligible for Courtesy Pay until 30 days after the initial deposit to the checking account. Fiduciary accounts including Trust, Estate and Escrow accounts are not eligible for Courtesy Pay. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, Automated Clearing House (ACH) debits including International Bill Pay transactions, or by other electronic means. You may be charged a fee each time a transaction is presented for payment, even if the same transaction is presented for payment multiple times. 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. Additional restrictions may apply.

CardValet is a registered trademark of Fiserv Inc.

Visa is a registered trademark of the Visa International Service Association.