Checking Account Options

Account Features
High-Yield Interest Checking1
Interest Checking2
Free Checking
Requirements to waive monthly service fee
Free when a daily average balance is maintained of $10,000 or greater
Combined deposits/loan balances3 of $25,000 or greater
Free
Monthly Service Fee
$10.00
$9.00
None

Interest-Bearing

Yes
Yes
No
ATM and Check Card
Free
Free
Free
Overdraft Protection
Free
Free
Free
Call-24 Access
Free
Free
Free
SMCU OnLine
Free
Free
Free
SMCU Bill Pay
Free
Free
Free
Unlimited Check Writing
Yes
Yes
Yes

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to view our Member Relationship Tiers

1 Dividends will be paid only if a $10,000 average daily balance is maintained on a monthly basis. Dividends are paid monthly.
2 Dividends will be paid only if a $2,500 average daily balance is maintained on a monthly basis. Dividends are paid monthly.
3 Deposits may include checking, savings, money market, and certificates. Loans may include real estate, auto, and personal. Past due loans will not be counted in overall total.
5