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Free Checking

Free checking is hard to find, but SMCU still offers it

Here at San Mateo Credit Union, free really does mean free. Why? Because your money is yours, so you should be able to keep more of it.

  • No service charges or monthly fees
  • No minimum balance requirements
  • $20 minimum deposit to open

Technology and security

  • Free Online Banking
  • Free Mobile Banking with Bill Pay and Mobile Deposit
  • Free chip-secured Visa® Debit Card that's compatible with Apple Pay™ and offers fraud text alerts

Plus, all of our checking options feature:

  • Overdraft Protection and Courtesy Pay
  • Access to 30,000+ surcharge-free CO-OP ATMs nationwide
  • Account alerts to keep you informed and fraud-free

SMCU Free Checking is simple checking without fuss or fees. Open an account online, stop by one of our branches.

$100 Checking Offer
If you don't have SMCU checking, open Free or Premium by May 31.
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