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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

Plus, all 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.


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Premium Checking
Earn 2.00% APY* on balances up to $50,000
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Digital Savings
Turn your goals into milestones with a Digital Savings account that earns as high as 3.25%APY*
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Additional Information
Visa® Signature
Turn everyday purchases into extraordinary experiences through a valuable rewards program.

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