Checking Accounts

Everyday Checking.
Endless Benefits.

Enjoy free checking with no hidden fees
and easy access anytime.

Checking Accounts That Fit Your Lifestyle

FREE REWARDS CHECKING

Earn 4.50% APY*
on balances up to $25,000

FREE REWARDS CHECKING

Earn more. Pay Less. Get rewarded every day.

Our Free Rewards Checking Account lets you earn 4.50% APY¹ on balances up to $25,000 and provides 24/7 access to fit your busy schedule.

Open an Account and experience:

  • Access to 30,000+ surcharge-free ATMs
  • $0 minimum balance
  • $0 monthly fee
  • Valuable added benefits

Plus, get paid 2 days early!*

Sign up for Direct Deposit and receive your paycheck up to 2 days earlier than your regularly scheduled payday.

Checking Icon

Free Checking That Pays

Get rewarded every day.
Earn 4.50% APY¹ on balances up to $25,000. Plus, with Direct Deposit, you can get your Payday up to 2 days early!*

  • $0 Minimum Balance
  • $0 Fees
  • 30,000+ ATMs

FREE CHECKING

Basic free checking account
with full digital access

FREE  CHECKING

No Complications. No Fees. Just Checking.

Our basic Free Checking Account is easy, safe and secure and provides everything you need with no surprises. It's that simple.

Open an Account today and experience:

  • Access to 30,000+ surcharge-free ATMs
  • $0 monthly service fee
  • $0 minimum balance
  • Valuable added benefits
Checking Icon

Free & Simple Checking

No Complications. No Fees.
Our basic Free Checking Account is easy, safe, and secure, and provides everything you need with no surprises.

  • $0 Minimum Balance
  • $0 Fees
  • 30,000+ ATMs

Checking Benefits

Exclusive perks.
Designed for your active life.

Exclusive benefits for the way you live today.

Enjoy access to 7-day Visa Exclusive Presale opportunities to Sofar Sounds shows plus a free ticket per show, twice per year, with the purchase of one or more tickets.

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This is a pay-per-use roadside assistance program; available 24x7; Roadside Dispatch will ask for your location, what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith.

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Earn up to 8% in Travel Credits (up to $230) when you purchase qualifying stays using your eligible Sacramento Credit Union Visa card on Booking.com — just sign up for a free account to get started.

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Get access to Dovly Upliftᵀᴹ free with your card and start fixing, managing, and maintaining your credit online in seconds.

Learn More & Enroll

Banking made simple.

Debit Card

Convenient. Secure. Powerful.
Your SCU Debit Card gives you instant access to your checking account anywhere Visa® is accepted. Use it to shop in-store, online, or at ATMs worldwide—with advanced fraud protection and 24/7 account monitoring for peace of mind.

Use Zelle to Send & Receive money between people.

With Zelle®, easily send money to friends and family.

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24/7 Digital Access

Banking at the Speed of Life.

Check balances, transfer funds, pay bills, and deposit checks anytime, anywhere. Manage your cards on the go with Card Controls — order, activate, or pause instantly.

Get the App

Transfer Money & Pay Bills. Easy.

Simple, secure, and stress-free.

Move money between accounts, pay your bills, or send funds to friends and family—all in just a few clicks.

30,000+ ATMs

Surcharge-Free Access is Better.

Enjoy nationwide convenience with free access to over 30,000 surcharge-free ATMs. Wherever life takes you, your money is never far away.

Find a Branch or ATM

Digital Wallet

On-the-go payments made easy.

Turn your smartphone into a payment device and make contactless payments.

Learn More
Checking Rates

Checking Rates

Minimum Balance to Earn DividendsDividend RateAPY1
FREE REWARDS CHECKING
$0 - $25,0004.41% Requirements Met24.50%
$25,000+.10% Requirements Met24.50% - 1.180%
All balances if qualifications not met0.01%0.01%
DISCLOSURES:  
READ MORE >

Rates effective as of August 29, 2026.

1APY=Annual Percentage Yield. Dividend Rate and APY may change anytime as determined by the credit unions board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.

2The requirements are: 1. Active Enrollment in Electronic Statements. 2. At least 12 purchases each month with your SCU Visa debit card. 3. At least one direct deposit or ACH auto debit posts and clears. Monthly Qualification Cycle means the current Statement Cycle. Statement Cycle means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month.
4.50% - 1.180% APY range assumes an account balance of up to $100,000.

Reward Qualifications
  1. Active Enrollment in Electronic Statements
  2. Make at least 12 purchases each month with your SCU Visa debit card
  3. Make sure at least one direct deposit or ACH auto debit posts and clears
Lost or Stolen Card

Here's the information you need to act quickly and avoid fraud.

Use the Card Controls feature in Online Banking or the SactoCU Mobile App to quickly turn your cards on or off, order replacements, and activate new cards. You can find Card Controls under Card Services.


You can also call us immediately at (916) 444-6070, press Option 2 and then follow the simple prompts.

Activate Your Card

Use the Card Controls feature in Online Banking or the SactoCU Mobile App to quickly and easily activate new cards. You can find Card Controls under Card Services.

Overdraft Services Form

Overdraft Services Form

Reorder Checks

Running low on checks? Reordering is fast, easy, and secure — just a few clicks away.

Reorder Checks

Frequently Asked Questions