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Plant the seeds of success with our Free Checking

Free Checking

No monthly fees. No minimum balance. Just a simple, straightforward checking that's perfect for your everyday needs.

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No Minimum Balance

We want you to focus on growing your balance at your own pace. With us, you do not need a specific minimum balance to maintain your account.


Overdraft Protection

A Kwik Kash line can help by covering charges that exceed your balance, and potentially prevent overdraft fees.


No Monthly Maintenance Fees

We are all about eliminating waste, including monthly maintenance fees on Free Checking accounts.


ATM Access

Wherever you find yourself needing cash, look for a free SFCU ATM or ITM. You also have access to over 30,000 CO-OP® ATMs nationwide**.

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Free Online and Mobile Banking

Manage your account from the convenience of your home, office, or anywhere else using our Online and Mobile access.

Overdraft Protection

With Kwik Kash, your account may be protected from overdraft fees*

A Kwik Kash line of credit will potentially cover charges that exceed your account balance, up to your approved credit limit.

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No Monthly Maintenance Fees

When we offer a Free Checking account, we mean it

With Free Checking, you do not need to pay monthly maintenance fees to operate your account. You can focus on your own expenses and deposits without additional fees impacting your balance.

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Get Checks

Order checks online

Our partners at Harland Clarke will make the process of getting new checks easy and quick. We ask that you do not place your order online and contact us directly if:
• You are a Senior Club Member
• This is your first time ordering
• It has been 3+ years since last order
• Your name and/or address has changed

For all other orders, your account number is displayed on the bottom of your check OR on the bottom of your reorder form 1531xxxxxxxxxx (must be 14 digits long). The routing number for SFCU is 221379905.

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Zelle Payments

Send money to friends and family for free with peer-to-peer payments! No need of any other app, just use your Mobile Banking.


No Per-Check Fees

Unlike other checking account options, you can now write checks without the fear of a charge each time.

*Loan approval based on creditworthiness.
** Foreign ATM transactions incur a fee. Refer to Service Fee Disclosure

How it works

Signing up for our Standard Checking can be completed in just a few steps.

  • 1

    Complete an application

    To apply, simply apply online or visit one of our branch locations.

  • 2

    Make an initial deposit

    Make an initial deposit to get started.

  • 3

    Manage your account

    Remotely manage your account from your smartphone or computer using Online or Mobile access.

Open a Free Checking Account


Have a question? Get in touch with us

Access the checking account perks you need for free

Apply for an account that makes money management simple and affordable with no added fees, overdraft protection, and free ATM access option.