Ditch the fees.
Keep the convenience.
Our checking accounts are built for real life—easy, secure, and designed around you.
- No Monthly Fees
- 2 Days Early Direct Deposit
- 24/7 Mobile Banking
- Fraud protection & alerts
- 37,000+ surcharge-free ATMs nationwide
Federally insured by NCUA. Proudly serving our local community.
Choose the Checking Account
That Fits You
Compare our most popular checking accounts and choose the one that's right for you.
Basic Checking
- No Monthly Fee
- No Minimum Balance
- Get Paid Up to 2 Days Early
Youth Checking
- Ages 12–18
- Parent Controls & Account Monitoring
- Money Management Tools
Features That Make Life Easier
Everything You Need, Right at Your Fingertips
Digital Banking
Pay bills and manage your money 24/7 with Online Banking
Account alerts to help you stay on track
Debit card controls for added security
Everyday Spending
Unlimited check-writing with no per-check fees
Free debit card for easy purchases
Monthly statements with e-Statement option
Protection
Overdraft protection from your Savings Account or Line of Credit Loan
Real-time alerts and fraud protection to monitor your account activity
Access Anywhere
Access to 37,000+ surcharge-free ATMs through the Co-Op Network
Bank anytime, anywhere—online, mobile, or by phone
Choose Your Debit Card
Carry a Card That's Uniquely You
Every SRCFCU checking account includes a free contactless debit card. Choose from dozens of exclusive designs.
Local Favorites
More Designs
✔ Instant Issue Available ✔ Contactless Payments ✔ Digital Wallet Compatible
Need Checks?
Hundreds of designs available. (Use routing number 263280939)