Checking Accounts

Flexible everyday accounts designed for convenient spending and money management.

Start Smart with a Youth Savings Account

Our checking account options are designed to fit your specific needs. Each account focuses on growing with you and your family. Choose the account that fits your lifestyle.

Become a Member Open an Account

All of our Checking Accounts Feature

No Monthly Fee

No monthly service fee

ACH On Demand

ACH On Demand*

Remote Deposit

Remote Deposit Capture

Digital Banking

Online Banking & Mobile App

Bill Pay

Online Bill Pay

Check Images

Online check images for easy record keeping

Direct Deposit

Direct Deposit or Payroll Deduction available

Overdraft Protection

Overdraft Protection

Courtesy Pay

Courtesy Pay options

Checking Account Options

You can earn higher dividends** by simply

  • Going paperless with eStatements
  • Setting up net direct deposit
  • Using your Visa debit card at least 6 times per month

**Please see Rate and Fee schedule at the top of the page for current Dividend/Annual Percentage Rate (APY).

Our Premier Checking Account is a high-yield investment account with draft access. It is a tiered rate account, rewarding you with dividend rates that increase as your daily balance increases.

  • Receive electronic account statements
  • $2,500 minimum balance to earn dividends**
  • Visa® debit/check card accessibility
  • Overdraft protection available*
  • Overdraft privilege available for Debit Card purchases
  • Custom personal checks available
  • Courtesy Pay options

*A fee may be imposed for covering overdrafts created by check, debit card transactions, ATM withdrawal or other electronic means. Overdrafts will be paid on a discretionary basis; we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits or you have too many overdrafts. If your account is overdrawn for 45 days, it will be closed.

**Please see Rate and Fee schedule at the top of the page for current Dividend/Annual Percentage Rate (APY).

Please review the following important information:

Your account will be charged an overdraft fee of $32.00 for each presentment of an item that is paid by Courtesy Pay. This is the same fee we charge for items drawn against insufficient funds and returned to the payee. SUMMIT CHOICE CREDIT UNION uses your available balance when determining whether a transaction will cause your account to overdraw and for charging overdraft and NSF fees. Your available balance is the amount of money that is actually in your account at any given time. Your available balance reflects transactions that have “posted” to your account and transactions that have been authorized and are pending.

SUMMIT CHOICE CREDIT UNION has the discretion to pay your overdrafts but is not obligated to do so. We may withdraw or reduce the amount of this privilege at any time. An overdrawn balance must be repaid within 30 days, or your Courtesy Pay limit may be removed.

This service is offered as an additional benefit of doing business with SUMMIT CHOICE CREDIT UNION. It is our pleasure to make this courtesy available to you as a means of expressing our appreciation for the confidence you have placed in SUMMIT CHOICE CREDIT UNION by entrusting us with your financial relationship.

*ACH On Demand - $10 fee per early posted ACH. If you have questions, please contact a CU representative.