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.)


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 banking and Mobile app
  • Free SEFCU Debit Mastercard®
  • More than 100 SEFCU-owned ATMs throughout our communities
  • Also use your debit card fee-free* at 85,000+ Allpoint® Network ATMs (in CVS®, Walgreens®, Speedway®, and Target®, plus locations across the U.S., Canada, Mexico, Puerto Rico, Australia, and United Kingdom) and CO-OP Network ATMs
  • If your debit card is lost or stolen, notify SEFCU (800-727-3328) immediately and your liability for unauthorized use is $0**
  • Automatic overdraft protection available
  • Use ClickSWITCH to quickly and easily switch Direct Deposits and automatic bill payments!
no fees


Fees & Rates

Current Rates

Service Fees Comparison

Click here for a full list of fees

Item SEFCU Fee New York State Bank/Credit Union average fee^
(as of April 2021)

Monthly Maintenance Fee



Counter Checks (4 per page)

$2 ($0.50/per)

$1.55 per

Teller Checks



Overdraft Transfer from Savings



Returned Checks - Deposited



Returned Checks - Insufficient Funds Charge****



Paid Checks - Insufficient Funds Charge



Stop Payment on Counter, Personal, or Teller Check (Official)



^New York bank/credit union average fees are accurate as of April 2021 and are published in New York Credit Union Association’s RateWatch.

Apply Now

Open a SEFCU Really Free  Checking Account today

Current SEFCU member?

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Not a member?


Really Free  Checking

Checking with member perks

No minimum balance

No maintenance fees or hidden charges

Free online, mobile, and Text Banking

Open Today

View Free Checking

More to think about...

* Members are not required to pay a fee at Allpoint and CO-OP 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 account. The savings can be $3 or more per transaction. Please note, at international Allpoint and CO-OP ATMs, you will still be responsible for any Foreign Currency transaction fees charged by Mastercard® or Visa®. 
** 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 - February 2, 2023. Fees may reduce earnings.
****Items returned unpaid (e.g., checks, ACH, bill payments) that are re-presented again for payment will be charged additional insufficient funds fees if available funds in your account are still insufficient when re-presented.