Checking

Overview

There are two great checking accounts to choose from. There is a no fee, no minimum balance, no dividend account (Premium Checking) and a dividend paying account (Premium Plus Checking) that requires a minimum balance. Choose the account that is best for you! Both accounts offer:

* Overdraft Protection – There is no charge to sign up for Overdraft Protection and only a $5.00 fee for a transfer. (That’s better than an NSF item and a fee of $25.00.)
* VISA Check – ATM Access Card – VISA purchasing power and cash access through ATMs.
* Internet Banking – No fee internet banking access with real time, online account information – and transaction processing.
* E-Bill Pay – This no fee service will save you time and money — especially on postage.

Switch Kit–Make the switch to a checking account at SCU. Use the Switch Kit to transfer your checking account activity to your account at the Credit Union. If you have any questions, please contact Member Services at 715-346-7404.

Checking accounts from your Credit Union — all the services as a bank checking account but without the fees and restrictions. Get an application for an SCU checking account today!

Premium Checking

Premium Checking

You’ll save money on this no minimum balance, no monthly service charge checking account at SCU. Our Premium Checking account offers:

* Unlimited Check Writing – Write as many checks as you like in a month at no charge.
* VISA Check – ATM Access Card – Use the VISA Check Card to make purchases directly from your checking account or to withdraw cash from an ATM.
* Overdraft Protection – There is no charge to sign up for Overdraft Protection and only a $5.00 fee for a transfer. (That’s better than an NSF item and a fee of $25.00.)
* Privilege Pay – Members in good standing can have their checks paid that might otherwise be an NSF item. The same fee as an NSF item applies ($25.00/item), but it is better than having a check sent back NSF.  Members have 30 days to repay the overdraft from when the check was presented.  Whether your overdrafts are paid is discretionary and we reserve the right not to pay the item.  For example, we typically will not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or have had too many overdrafts.
* No Fee Internet Banking — With No Fee E-Bill Pay – Get online, real time information on your accounts and transfer funds between accounts. Use E-Bill Pay to make your payments — saving time and money on postage.

Request a Premium Checking Account Application today!

Premium Plus Checking

Premium Plus Checking

If you would like a dividend paying checking account, our Premium Plus Checking account may be right for you. Our Premium Plus Checking account offers:

* Unlimited Check Writing – Write as many checks as you like in a month at no charge.
* VISA Check – ATM Access Card – Use the VISA Check Card to make purchases directly from your checking account or to withdraw cash from an ATM.
* Overdraft Protection – There is no charge to sign up for Overdraft Protection and only a $5.00 fee for a transfer. (That’s better than an NSF item and a fee of $25.00.)
* Privilege Pay – Members in good standing can have their checks paid that might otherwise be an NSF item. The same fee as an NSF item applies ($25.00/item), but it is better than having a check sent back NSF.  Members have 30 days to repay the overdraft from when the check was presented.  Whether your overdrafts are paid is discretionary and we reserve the right not to pay the item.  For example, we typically will not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or have had too many overdrafts.
* No Fee Internet Banking — With No Fee E-Bill Pay – Get online, real time information on your accounts and transfer funds between accounts. Use E-Bill Pay to make your payments — saving time and money on postage.

Dividends on the account are earned daily and paid every month. There is a daily minimum balance requirement of $500.00 to avoid a $3.00 monthly fee. Check out our Rates, then request a no fee Premium Plus Checking Account Application  today!

Visa Check-ATM Access Card

Visa Check-ATM Access Card

The VISA Check – ATM Access Card allows you to make purchases directly from your checking account. The card also allow access to ATMs worldwide for withdrawals of cash from your savings and checking accounts.

* As a VISA Check Card – To purchase an item or service, it is as simple as using a credit card, but has the same effect as writing a check.  The amount of your purchase will be withdrawn from your checking account. Use the card just like a credit card when making a purchase — just sign for the transaction — do not use the PIN. Signing for the transaction provides you the return rights of VISA not to mention the fraud protection of VISA.
* As an ATM Card – You can use it at our Sentry Credit Union ATMs or thousands of other ATMs worldwide. Look for the Pulse and Shazam network logos for no fee withdrawals. (Terminal owners may charge you a withdrawal fee.) At an ATM, you can make withdrawals, transfer funds between your savings and checking accounts, and check your balances.
* Use of your PIN – The only time you use you PIN is for an ATM withdrawal. Do not use your PIN number when making a purchase. There is a $1.00 transaction fee for purchases processed with your PIN. To avoid the fee, use the VISA Check card like a credit card — just sign for the purchase.

Overdraft Protection

Overdraft Protection

Overdraft Protection can be set up to transfers funds from your other Credit Union accounts to cover transfers from your checking account that might otherwise be declined by sent back as an NSF item. Overdraft Protection offers:

* No fee to sign up for this service.
* Overdraft transfers can be set up from your savings accounts or your money market account. Transfers can also be set up from accounts your are joint owner on (like your spouse’s account).
* There is a $5.00 fee for an Overdraft Protection transfer. (That’s better than an NSF fee of $25.00 or a declined transaction.)
* Limit of six Overdraft Transfers per month. (This is a federal banking restriction.)

Be sure to sign up for Overdraft Protection!

Privilege Pay

Privilege Pay

This service will pay for a check even if you don’t have the funds in your account — or if Overdraft Protection is not available. This service is available to Members who have a checking account in good standing (open six months or longer and no NSF activity – other restrictions may apply.) Privilege Pay will:

* Cover NSF Items – Up to $500 can be paid for a check (or checks) not covered by Overdraft Protection.  Members have 30 days to repay the overdraft from when the check was presented.  Whether your overdrafts are paid is discretionary and we reserve the right not to pay the item.  For example, we typically will not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or have had too many overdrafts.
* Charge a $25.00 Per Item Fee – This is the same fee we charge for an NSF item. So would you rather pay a $25 fee for posting a check — or a $25 fee for a check that gets sent back as an NSF item?
* No Charge or Fee for the service unless you use it.
* Opt Out – If you don’t want Privilege Pay, you may opt out of the service.

We encourage all checking account holders to balance their check registers to avoid overdraft/NSF items. Also, Members should sign up for Overdraft Protection which will transfer your funds to cover an NSF item for a charge of only $5.00.

For more information on Privilege Pay, please contact the Credit Union.