Superior Choice Credit Union offers a variety of checking products to fit our members' needs — whether you have a high checking account balance and want to earn dividends on your account, or you use a debit card frequently and want to earn some cash back. Browse through our products below and stop by a branch near you to get started with opening an account!

Simple Checking

  • $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***

Round Up Checking

  • $25 initial deposit
  • No minimum balance
  • No monthly account fees
  • Rounds purchases up to the nearest whole dollar and deposits change into Membership Savings or Christmas Club account
  • 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*

  • $25 initial deposit
  • No minimum balance
  • No monthly account fees
  • Earn a high dividend on your balance. Simply make 15 non-ATM debit card purchases per statement cycle and use E-Statements
  • 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****

  • $25 initial deposit
  • No minimum balance
  • No monthly account fees
  • Earn 5 cents for every non-ATM debit transaction
  • Cash back at merchants
  • No fee at SCCU ATMs
  • Free online banking with bill pay**
  • Eligible for Courtesy Pay up to $750.00***

Teen Checking

  • Help your teen learn to manage a checking account! This is designed for members ages 13-17 with a parent or guardian on the account
  • Two fee reversals allowed while teen learns to manage a checking account
  • Rolls into a Simple Checking account upon 18th birthday
  • No initial deposit required
  • No minimum balance
  • No monthly account fees
  • Cash back at merchants
  • No fee at SCCU ATMs
  • Free online banking

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.