Skip to Main Content Skip to Sitemap Online Banking
Top

Personal Checking

When it comes to checking accounts, you'll find your perfect fit with SMCU

Whether you're looking for fee-free checking, a student account, or a premium option that pays dividends, San Mateo Credit Union offers the solution that fits your needs. Let's compare the features of each account.

Which checking account fits you best?

Premium Checking

Earn 2.00% APY* on balances up to $50,000 when you meet three easy monthly requirements (see below).

Free Checking

No requirements - just a simple account that offers everything you need with a low opening balance.

Student Checking

The perfect first account if you’re under 18, with no monthly fees or extra requirements.
 
Account Featu Premium Checking

Open Now
Free checking & student checking

Open Now
Earns interest 2.00% APY* on balances up to $50,000 when monthly requirements are met No interest paid
Monthly service fee Free - no monthly fee Free - no monthly fee
Minimum Opening Deposit $50.00 $20.00
ATM Access Free at all SMCU ATMs and over 30,000 CO-OP network ATMs nationwide Free at all SMCU ATMs and over 30,000 CO-OP network ATMs nationwide
Visa® Debit Card Free and accepted at over 23 million locations worldwide Free and accepted at over 23 million locations worldwide
Online Banking with Bill Pay Free and simple to use to check balances, transfer money, pay bills, and more Free and simple to use to check balances, transfer money, pay bills, and more
Mobile Banking with Mobile Deposit Free and convenient for banking on the go – you can even deposit a check Free and convenient for banking on the go – you can even deposit a check
Account Alerts Free and easy to set up; stay aware of account and card activity to avoid fraud Free and easy to set up; stay aware of account and card activity to avoid fraud
Text Fraud Alerts Free service that alerts you immediately about any suspicious purchase(s) Free service that alerts you immediately about any suspicious purchase(s)
Overdraft Protection Free when you set up overdraft protection from your SMCU savings account; paid options available with an SMCU credit card and SMCU Courtesy Pay Free when you set up overdraft protection from your SMCU savings account; paid options available with an SMCU credit card and SMCU Courtesy Pay
ClickSWITCH Free service that will move your direct deposit and automatic payments to SMCU in minutes Free service that will move your direct deposit and automatic payments to SMCU in minutes

Premium Checking Monthly Requirements to earn 2.00% APY* on balances up to $50,000 

  • Conduct 10+ debit purchases (ATM & ACH transactions do not qualify) 
  • Make one (1) or more direct deposit or payroll deposit transactions – no minimum dollar value required 
  • Select eStatements for the account 
* APY = Annual Percentage Yield as of 3/1/2019; subject to change. 2.00% APY paid on the first $50,000 in average daily balances and 0.05% APY paid on any average daily balances above $50,000 if three monthly (statement cycle) requirements are met, as follows: (1) 10 or more debit card purchases or debit card payments are initiated (ACH/bill pay payments and ATM transactions are not counted toward the monthly requirement), (2) one direct deposit, payroll deposit, or external ACH transfer is received, (3) eStatements are selected. All requirements must be applied to the Premium Checking account. If the monthly (statement cycle) requirements are not met in their entirety, the APY paid will be 0% for that statement cycle. Limit one (1) Premium Checking account per membership.
 

Click on a product link below to get started:

premiumchecking

Premium Checking
Learn More

freechecking

Free Checking
Learn More

studentchecking

Student Checking
Learn More

visa®debitcard

Visa® Debit Card
Learn More

orderchecks

Order Checks
Learn More

clickswitch

ClickSWITCH
Learn More

courtesypay

Courtesy Pay
Learn More
Additional Information