Standard and dividend-earning accounts. 

Free debit card, app, and online banking! 

Say good-bye to bank fees. Checking is always free at STCU, and access to your money is easy with the free mobile app.

Choose from STCU's standard checking or dividend-earning checking, where you'll earn dividends for maintaining a balance of $10,000 or more.

STCU checking Service fee Minimum 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.

  • Free STCU debit card
  • 24-hour online, phone, and ATM access
  • Duplicate checks with each order
  • Free checks if you're 55+ with direct deposit 
  • Overdraft protection


Open account

STCU members can open a checking account right now!

  1. Click the button above to log into online banking.
  2. Click on the "Accounts" tab, then the "Add account" button.
  3. Select the checking account you want to open.
  4. Complete the instructions to fund your checking account from an existing STCU account or by transferring money from another financial institution.

New to STCU?

Join STCU online and open your checking account. (Membership fee waived when you join online.)

You can also join the credit union by visiting any STCU branch location.

Need help setting up your account? Call or chat with an STCU member service representative during regular business hours.

Second accounts

Nearly four out of 10 consumers now use second checking accounts to segregate funds, divide expenses, restrict exposure to debit card fraud, and so on. Second checking accounts are free to every STCU member. Got a second? Get one now.

For STCU business accounts, go here