Choice Interest Checking

Best for: Members who use electronic services like Mobile and Online Banking, Online Statements, and Direct Deposit.

Criteria to avoid $7 monthly fee 1. Direct Deposit and Online Statements
2. $1,000 min. combined deposit and loan balance*
Earn daily interest Yes
SECU-style check orders Price vary
Online Banking and Online Statements Free
Mobile Banking with Mobile Deposit Free
Online Bill Pay  Free 
Person to Person electronic payments  Free 
SECU ATM transactions Free
Access to thousands of CO-OP network ATMs across the U.S. Free
SECU fee to use other non-SECU ATMS in the U.S. No SECU fee for checking withdrawals
$1 fee for other transactions
Visa Debit Card purchase Free
Bonus Rate CDs Yes; better rate
Auto Loan Discount  0.25%** 
Travelers checks, incoming wire transfers, and gift checks Prices vary
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* Nearly all your SECU deposit and loan balances are considered when determining the Relationship Rewards minimum balance. SECU calculates combined balances based on the average balance you had in a deposit account during your statement period and your outstanding loan balances. For Visa credit card, Home Equity Line of Credit and Preferred Line of Credit, rewards are based on your balance, not the amount of your credit line. If you fall below the minimum combined balance, a monthly fee will be assessed unless you have SECU Preferred Services. "Active Bill Pay use" means making at least one electronic payment using SECU's Bill Pay service every 60 days. APY = Annual Percentage Yield. Deposits federally insured by NCUA.


** Loans subject to credit approval. Interest rate discounts apply when monthly payments are deducted automatically from a SECU checking account. If the account is closed or if the automatic payment is cancelled at any time after the account is opened, the rate will increase.