OverviewNo 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.)
|
 Free means free$0 minimum balance |
Features & BenefitsNo maintenance fees or hidden charges
|
|
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 |
$0 |
$7.22 |
|
Counter Checks (4 per page) |
$2 ($0.50/per) |
$1.55 per |
|
Teller Checks |
$0 |
$10.65 |
|
Overdraft Transfer from Savings |
$1 |
$7.39 |
|
Returned Checks - Deposited |
$10 |
$15.22 |
|
Returned Checks - Insufficient Funds Charge**** |
$28 |
$32.88 |
|
Paid Checks - Insufficient Funds Charge |
$28 |
$33.69 |
|
Stop Payment on Counter, Personal, or Teller Check (Official) |
$10 |
$29.99 |
^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? Open Today |
Not a member? Join SEFCU |
Really Free Checking
Checking with member perks
No minimum balance
No maintenance fees or hidden charges
Free online, mobile, and Text Banking
Open Today
More to think about...
Free SEFCU Debit Card
Keep Life Simple
Use for bills or purchases
Fee-free ATM access
SEFCU Lightning Credit Card®
Be Rewarded When You Shop
3x points on groceries, 2x points on online purchases, 1x points on everything else
No annual fee
Personal Line of Credit
Cash When You Need It
Borrow up to $5,000
Use as overdraft protection