Have you ever bounced a check? It happens to the best of us. Worse than the embarrassment of bouncing a check, other financial institutions charge you an NSF fee, and the business you wrote it to charges you a fee on top of that. Worse yet, what if the check was to a friend or to a relative? We offer three ways to avoid having your item from being returned:

• If you have a savings account with us, you can arrange to have us automatically transfer,  funds from your savings account to your checking account to cover drafts. A small overdraft transfer fee will be assessed for each item that occurs. See our current rates and fee schedule.

• We can grant you an overdraft line of credit loan and lend you the funds to cover the overdrafts in your checking account. Either way, it's better than bouncing a check. See our rates for the current overdraft line of credit rate and fee schedule for overdraft occurrences.

• Overdraft privilege is available on select accounts that allow you to overdraw your account up to $800.00 which needs to be brought current within 30 days. An overdraft privilege fee of $25.00 will apply for each item overdrawing your account and your item will be paid. Once this limit is reached, items will be returned unpaid and a NSF fee of $25.00 will apply.   Click for more information on SCCU's Overdraft Protection.

There is no minimum balance required to open this account. We don't charge per-check fees or monthly maintenance fees (excluding business checking) and we pay you dividends on your checking on each day your account balance is $100 or more.  For more details on Checking Account Options click here.