Really Free Checking


No fees. No kidding!

Keep your hard-earned money with a free checking account that won’t hit you up for service fees, per-check charges, or other hidden costs.

(Of course, some fees are out of our control—like for other banks’ ATMs and any bounced checks.)


Piggy Bank

Free means free

$0 minimum balance
$0 per check charge
$0 monthly service fees

Features & Benefits

No maintenance fees or hidden charges

  • Free online and mobile banking
  • Free SEFCU Debit Mastercard® with cash-back rewards
  • More than 100 SEFCU-owned ATMs throughout our communities
  • Also use your debit card fee-free* at 55,000+ Allpoint® Network ATMs (in CVS®, Walgreens®, Speedway®, and Target®, plus locations across the U.S., Canada, Mexico, Puerto Rico, Australia, and United Kingdom)
  • If your debit card is lost or stolen, notify SEFCU (800-727-3328) and your liability for unauthorized use is $0**
  • Automatic overdraft protection available
no fees



Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield***
Free Checking - No Minimum 0.00% 0.00%

Service Fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of July 2019)

Certified Personal Check



Check Protest Fee



Copy of Canceled Check



Counter Checks (4 per page)

$2 ($0.50/per)


Original Canceled Check



Returned Checks - Deposited



Overdraft Transfer from Savings



Returned Checks - NSF (Non-Sufficient Funds)



Return NSF from POS/Check Card



Stop Payment done through SEFCU OnLine



Stop Payment on Counter Check



Stop Payment on Personal Check



Stop Payment on Teller (Official) Check



Monthly Charge

No fee


^New York bank/credit union average fees are accurate as of July 2019 and are published in New York Credit Union Association’s RateWatch.

Apply Now

Open a SEFCU Really Free  Checking Account today

Current SEFCU member?

Open Today

Not a member?


Really Free  Checking

Checking with member perks

No minimum balance

SEFCU Debit Mastercard® with cash-back rewards

Free online, mobile, and Text Banking

Open Today

View Free Checking

More to think about...

* SEFCU members are not required to pay a fee at Allpoint ATMs. If a charge screen appears during your Allpoint ATM transaction, enter “yes” to accept the charge and proceed with your withdrawal. The additional fee will not be deducted from your SEFCU account. The savings can be $3 or more per transaction. Please note, at international Allpoint ATMs, you will still be responsible for the Mastercard® Foreign Currency transaction fee.
** See for details.
*** Annual Percentage Yield. Minimum average daily balance to obtain APY is $250. Rate and APY are variable and are subject to change after the account is opened.  APY is accurate as of today - October 20, 2020. Fees may reduce earnings.