Welcome to Your Last Checking Account

One Account.
All the Rewards.

We’re making checking simple with SECU Total™ Checking & Rewards. It’s an all-in-one checking account with:

  • No monthly maintenance fees
  • One order of free checks per year
  • Easy virtual banking
  • 50,000+ Free ATMs nationwide
  • Debit cash back
  • Competitive interest rates
  • No minimum balance requirements
  • And all the rewards

Features & Benefits

Let’s talk about some of the rewarding benefits you could receive with a SECU Total™ Checking & Rewards account.

Cash Back & Bonus Points

Swipe your card and earn debit cash back** and bonus credit card rewards**** on points-eligible cards. Use our Cash Back Visa® Card and earn a $10 statement credit each month.

Higher Interest on CDs

With SECU Total™ Checking & Rewards, you can receive higher interest on your 12 month CDs. Schedule a virtual appointment to open or renew your CD and reap the rewards.

Combined Balances

All primary and joint account balances are combined and count towards your total benefits, so every account owner can enjoy the rewards.

Rewards Bronze Silver Gold Platinum
Competitive Interest Rates (APY)

up to 0.05% APY*

up to 0.10% APY*

up to 0.15% APY*

up to 2.00% APY*

No monthly maintenance fees Checkmark Checkmark Checkmark Checkmark
One order of free checks (per account per calendar year) Checkmark Checkmark Checkmark Checkmark
Easy virtual banking Checkmark Checkmark Checkmark Checkmark
50,000+ Free ATMs nationwide Checkmark Checkmark Checkmark Checkmark
Earn additional interest on 12 Month CDs Checkmark Checkmark
Debit card cash back** Checkmark Checkmark
Mortgage closing costs rebates*** Checkmark Checkmark
Bonus credit card rewards Checkmark

Becoming a SECU member is easier than you think!

Gone are the days when you had to be a Maryland state employee to join SECU. Now, there are so many ways to be eligible (more than 1,900!).

Once you join SECU, you’re a member for life, as long as you maintain at least a $10 balance in a Share Savings Account.

Ready to Get Started?

Take the next step toward the one-for-all checking account that gets you the rewards you deserve.

Have your ID ready and click the button below.

Terms & Conditions

*APY = Annual Percentage Yield. APYs current as of 11/01/21. You must meet the criteria for each rewards level to receive the APYs and other rewards shown for that level. See current rates page. APY is calculated based on average daily balance and will be a blended rate. Rates and rewards subject to change at any time. Fees may reduce earnings on the account. Membership eligibility required. Only accounts in good standing are eligible to qualify for rewards.

Rewards level qualifications and benefits vary by level. At the beginning of each month, your account will reset to Bronze level until the monthly requirements are met. Your actual rewards level will be calculated on the last day of the month and can change monthly based on activity and balances.

You can view your current activity and rewards level, how to reach the next level and your rewards history at any time in online or mobile banking by clicking the “My Rewards” icon, or reviewing your monthly statement.

Level Qualifications

Balances: You can qualify for rewards levels in two different ways based on your balances with SECU. The higher of the two will determine your rewards level: 1) Combined Deposit/Loan Balances (“Qualifying Balances”). On the last day of each month, we add up the average daily balances of SECU accounts for which you are the primary or joint owner: deposit accounts (savings, checking, money market, CDs, IRAs) + loan accounts (mortgages, home equity, personal loans and credit cards) + any investment balances that you maintain with our investment program partner; OR 2) Checking Balance. We use the highest balance of any checking account for which you are the primary owner. E-statements & Direct Deposit: Levels Silver and above also require e-statements and full check Direct Deposit of $500 or more per month. Eligible Direct Deposits must be into one or more checking accounts for which you are the primary owner and include recurring payroll, social security and pensions.

Bronze: None, everyone starts here each month and levels up as requirements are met.

Silver: $10,000 in combined deposit and loan balances or $3,500 in one checking account + e-statements + full check Direct Deposit of $500 or more/month.

Gold: $50,000 in combined deposit and loan balances or $10,000 in one checking account + e-statements + full check Direct Deposit of $500 or more/month.

Platinum: $100,000 in combined deposit and loan balances or $25,000 in one checking account + e-statements + full check Direct Deposit of $500 or more/month.

Rewards Qualifications

Qualifying Platinum Members Earn Up to 2.00% APY
Requires members to be in the Platinum rewards level with e-statements and direct deposit of $500 or more into checking per month, as well as a balance of $75,000 or more in checking. Other rewards levels and balances will earn different APYs.

Interest: See current rates page for balances required to earn interest for each level. Platinum rate of 2.00% APY is available for balances over $75K for qualifying members. Your interest will be calculated as a blended APY. For example: If you are in the Platinum level and have a balance of $100,000, you will receive 0.10% on the first $3,499.99, 0.15% on the portion of your balance between $3,500 and $19,999.99, 0.50% on the portion of your balance between $20,000 and $74,999.99 and 2.00% on the portion of your balance above $75,000. This would result in a blended APY of 0.81%, if you maintain the $100,000 for the entire month.

**Debit Cash Back: requires 12 or more debit purchases per month, including Point of Sale and monthly subscription payments using your debit card (i.e. bill pay and gym memberships, etc.). Gold: 1% of your first $1,000 in purchases per month (max of $10/month); Platinum: 2% of your first $1,000 in purchases per month (max of $20/month). The cash back will post to your checking account on the last day of the month and will appear as “Debit Card Cash Back – Interest Adjustment” on your statement. Debit cash back is considered interest and will generate a 1099.

Higher Interest on 12 Month CDs: Gold and Platinum offer additional interest on 12 Month CDs. See current rates page. Gold and Platinum CDs are based on your highest reward level in the last 3 months and need to be opened at a branch or via mail. Previously opened CDs are not eligible. We may impose a penalty for early withdrawal on CDs.

***Mortgage Closing Costs Rebates: Based on qualifying for the higher of Gold or Platinum in the month of your mortgage closing date through the following 2 months. For example, a mortgage closing on June 14 would have the rest of June, July and August to qualify. Purchases and refinanced mortgages with a closing date of July 1st, 2021 or later qualify+. Primary owner of the mortgage must be the primary owner on a SECU Total™️ Checking & Rewards account to receive the rebate. Will be deposited in the share savings account for the primary owner of the mortgage within 90 days of the closing date. Rebate may be subject to IRS tax reporting.

+ For members with existing checking accounts that are not converted into our new SECU Total™️ Checking until October 1st, 2021 and obtain a mortgage closed on August 1st, 2021 or later, the rebate will be based on qualifying for the higher of Gold or Platinum in at least one month within 30-60 days from the mortgage closing date.

****Bonus Credit Card Rewards:Platinum offers bonus credit card rewards when you make at least 12 credit card purchases per month with a SECU Visa® credit card. All eligible cards will receive 1,000 bonus points per month. Bonus rewards will appear in your UChoose Rewards account in the following month.

Free checks: each account (at any level) can order 1 free box of SECU style checks per calendar year.

****Auto Rate Discount: is available to Platinum Checking Rewards Members only. Application must be submitted through an appointment. Loan approval is subject to SECU’s standard underwriting guidelines and process. Discount is applied to current applicable rate at the time of application. Rates and this offer are subject to change at any time and without notice. Your APR may vary based on your creditworthiness and term length at time of application. Additional terms and restrictions apply.