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Open a New Checking Account and Be Entered to Win Free Gas* For a Month or Even a Year!

Service CU’s Everyday Checking Benefits Include:

  • Getting paid up to two days early with direct deposit**
  • ATM surcharge and foreign transaction fee rebates***
  • Loan discounts on auto, personal, motorcycles and more
  • Rewards on debit card purchases
  • Free identity theft recovery resources through IDSafeChoice
  • Ease of online banking with mobile bill pay and remote check deposit††

How Does Service CU Everyday Checking Compare?

Service Credit UnionBank of AmericaBank of NHNortheast Credit UnionTD Bank
Everyday CheckingSafeBalance CheckingPrestige CheckingNortheast CheckingConvenience Checking
Early Payday**check mark   
No Service Fee Regardless of Balance†††check mark check mark
ATM Surcharge and Foreign Transaction Fee Rebates***check mark check mark 
FREE Identity Theft Recovery Resourcescheck mark 
Free Shared Branching Worldwidecheck mark
FREE Instantly Issued Debit Cardscheck markcheck markcheck markcheck mark
Remote Check Deposit††check markcheck markcheck markcheck markcheck mark
Courtesy Pay/Overdraft Protection††††check mark check markcheck markcheck mark
Digital Wallet/Smartwatch Payment optionscheck markcheck markcheck markcheck markcheck mark

Source: Internal Market Research

Joining is Easy!

It’s easy to be a member through any of our cooperating associations, with free membership to an organization that supports financial literacy, if you work or are retired from one of hundreds of affiliated businesses, or if you or a family member have served.

  • Members of the Financial Fitness Association (FFA).  Not a Member? Learn more about the FFA by clicking here. Ready to join? We’ll help you get signed up! Once you join the FFA, a confirmation email will come directly to you with all of your login credentials.
  • Members of the American Consumer Council (ACC). Not a member? Visit the ACC online, click “join now” and use promo code “Service” to join free of charge.
  • Active duty military, veterans, and their families.
  • Anyone who currently works (or worked) for the Department of Defense, as well as their families.
  • Members of one of our Select Employer Groups.

Join Now to Take Advantage of Free Checking and More!

See official rules for details.

*No purchase necessary to win. One (1) entry awarded for each qualifying checking account opened during the sweepstakes period 8/22/2022-12/31/2022. Primary checking account holder cannot have previously held a checking account with Service Credit Union as the primary owner, new checking must receive direct deposit of net pay of at least $500 per month and must be registered for ecommunications. All criteria must be met within 35 days of opening. Must be a lawful permanent resident of the United States and be 18 years or older to enter. See official rules for details.

**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

***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 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.

†††Applies only to Everyday Checking accounts. Dividend Checking requires a minimum balance of $1500 in order to avoid a monthly maintenance fee.

††††A $30 overdraft fee will be assessed per presentment for the Dividend Checking account and Everyday Checking account. Courtesy pay is only permitted on one Checking account per membership. The checking account will not become eligible for Courtesy Pay until 30 days after the initial deposit to the checking account. Member must opt in to include everyday debit card transaction in Courtesy Pay. Fiduciary accounts including Trust, Estate and Escrow accounts are not eligible for Courtesy Pay. Everyday debit card and ATM transaction that are less than or equal to $15 will not be charged a fee even if the result is an overdraft. If the one-time everyday debit card or ATM transaction that results in an overdraft is $15.01 or more, the $30 fee will be assessed, if you opt in. 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. Courtesy Pay will not cover overdrafts that cause the Checking account to exceed a negative balance of more than $1,000, including any prior fees assessed. Additional restrictions may apply.