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Every person and their financial needs are unique, which is why at Superior Choice Credit Union we offer a variety of checking accounts designed to fit the individual needs of our members.

Whether you have a high account balance and want to earn dividends on your account, you use your debit card frequently for everyday purchases and want to earn some cash back, or you simply wish to have an account that doesn’t require monthly fees — we can accommodate.

Despite their differences, all of our checking accounts share a few similar features including: no monthly fees, no minimum account balance, access to free online banking with bill pay, and a Visa debit card with chip protection. In addition, all SCCU checking accounts, except for Teen Checking, are eligible for Courtesy Pay up to $750 and require an initial deposit of only $25.

Check out our account options to decide which best suits your needs!

Simple Checking

Simple Checking is just that — convenient and easy to use for people at any financial stage. 

Account details:

  • $25 initial deposit
  • No minimum balance
  • No monthly account fees
  • Free and unlimited check writing and debit purchases
  • Cash back at merchants
  • No fee at SCCU ATMs
  • Debit Rewards program eligible
  • Free online banking with bill pay**
  • Eligible for Courtesy Pay up to $750***

AMP Checking*

AMP your checking for greater returns with an AMP Checking account.

This account is great for those who are interested in earning a greater return on their balance, without increasing their risk. All it takes to qualify is 15 non-ATM debit card purchases per statement cycle and enrollment in eStatements with a valid email address. Click here for current AMP Checking rates.

Account details:

  • $25 initial deposit
  • No minimum balance
  • No monthly account fees
  • Cash back at merchants
  • No fee at SCCU ATMs
  • Free online banking with bill pay**
  • Eligible for Courtesy Pay up to $750***

Cash Back Checking****

Cash Back Checking makes a lot of cents. Literally.

This account is perfect for those who use their debit card regularly for everyday purchases. Earn 5¢ per swipe on any non-ATM debit transaction and we’ll deposit the total amount earned directly into your account at the end of each statement period. It’s that simple.

  • $25 initial deposit
  • No monthly fees
  • No minimum account balance
  • Cash back at merchants
  • No fee at SCCU ATMs
  • Free online banking with bill pay**
  • Eligible for Courtesy Pay up to $750***

Teen Checking

As your teenager prepares for the next stage in life, Teen Checking will help build the foundation for healthy financial habits.

This account, which is designed for members ages 13-17, is titled in the minor member’s name, with a parent or guardian over the age of 18 as the secondary account holder. This provides ample opportunity for you to teach your child how to use checking accounts and be responsible with money.

Account details:

  • No initial deposit required
  • No monthly fees
  • No minimum account balance
  • Cash back at merchants
  • No fee at SCCU ATMs
  • Free online banking
  • Two fee reversals allowed while teen learns to manage account
  • Account rolls into Simple Checking account upon 18th birthday

Round Up Checking

Want to save a little more money each month without feeling a big impact on your checking account? Round Up Checking might be the perfect option. This service rounds up each purchase made with your debit card to the next whole dollar and deposits it into your Membership Savings or Christmas Club Account. This allows you to reach your savings goals without making large deposits.

Account details:

  • $25 initial deposit
  • No monthly fees
  • No minimum account balance
  • Cash back at merchants
  • No fee at SCCU ATMs
  • Eligible for Debit Rewards Program
  • Free online banking with bill pay**
  • Eligible for Courtesy Pay up to $750***

How do I sign up?

Non-members

If you are not currently a member of Superior Choice Credit Union, click here to apply for membership today by completing our online application. You may also apply in person by visiting one of our branches. Click here for a list of our locations. 

Current Members

If you are already a Superior Choice Credit Union member and wish to apply for a checking account, you can do so via your online banking account OR by stopping in to a branch and speaking with a financial specialist. You may also call 1-800-569-4167 and speak to our Call Center Financial Specialist to start the account opening process over the telephone.

 

 

All SCCU Checking accounts have a VISA Debit/ATM card option. Each checking account, except for Teen Checking, requires an initial $25 deposit.

Check printing services may be used through SCCU; prices dependent on check styles. If you wish to use an outside vendor for your check printing, please give us a call at 1-800-569-4167 during normal business hours to get the correct account information.

*The rate for the AMP checking account is variable and is subject to change at any time. 15 non-ATM debit card transactions must be swiped and posted to the account in order to be counted for the qualifying 15 swipes. This account must have E-statements and a valid e-mail address in order to be eligible for the dividend rate. AMP accounts which do not meet the requirements in a statement cycle will receive a reduced rate dividend. Please see an SCCU employee for details.

**Bill Pay requires online banking. Agreement to online banking also enrolls a user in to Electronic Statements. Should you also require paper statements with your online banking account, there is a monthly fee (please refer to a current fee schedule).

***Please refer to an SCCU employee for details on Courtesy Pay availability, fees, acquisition of privilege, and repayment. Courtesy Pay and the VISA Debit Card are subject to approval. Accounts will be charged the standard Overdraft fee of $29.00 for handling each overdraft created by checks, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $32.00 for items returned. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to SCCU or if your account is subject to any legal or administrative order or levy.

****Cash Back Checking requires enrollment in eStatements and a valid email address. Debit transactions must post to the account during the statement cycle to earn the 5 cents per transaction. A lump sum deposit will be made at the end of each statement cycle.