STCU free checking

Earn dividends on higher balances! 

Say good-bye to bank fees. Checking is always free at STCU. And easy to access when you download the mobile app.

Maybe that's why so many households have more than one checking account.

Choose from our standard checking account or earn dividends with higher balances on our dividend checking account. Both cost you nothing.

Open a new checking account by yourself by logging into STCU's online banking, or contact us for assistance.

  • Unlimited check writing
  • Free STCU debit card
  • 24-hour online, phone, and ATM access
  • Duplicate checks with each order
  • No monthly service fee or "per check" fees 
  • Overdraft protection
  • Free online check images
  • Free checks if you're 55+ with direct deposit

STCU checking accounts

STCU checking Service fee Min. opening Dividends Debit card Transaction limits NCUA insured
Standard no $0* none free unlimited yes
Dividend no $10,000* monthly free unlimited yes
*Note: The Standard Checking account has a minimum opening deposit of $50 if the account is opened online. The Dividend Checking account can go below $10,000, however it will not earn dividends.