SPFCU Checking Accounts SPFCU Checking Accounts

You have checking choices

Put a smile back into your financial life with no monthly fees or minimum balances.

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Please select if you are a member or non-member so that we can take you to the appropriate application.

Lowest Opening Balance

Deposit $100 to open your premium checking account.

Anytime, Anywhere Banking

Make transfers, pay bills, download statements, and plan ahead from any device. Learn More

Visa® Debit Card

Add a Visa® debit card with Fraud Text Alerts to make life easier.

Free Checks Option

Choose the standard design and we’ll send you 1 package per year.

Overdraft Protection

Avoid the embarrassment and frustration of running out of money when you add overdraft protection to your membership.

Member Advantages

The more you utilize your credit union membership, the more it will benefit your business. Learn More

Product Minimum Max/Fees Rates
Basic Checking

Our basic option requires no monthly fees, no minimum balance, and comes with a debit card.

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$0
$0
0.000%
APY*
Premium Checking

This account gives you the chance to earn higher interest the more you use your account.

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Tier 1**
$0+
0.000%
APY*
Tier 2***
$0+
0.010%
APY*
Tier 3****
$0 - $20,000.00
2.529%
APY*
Tier 3****
$20,000.01+
0.010%
APY*
EzMoney Checking+

Your $50 initial deposit opens your own checking account (high school and college students).

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$50 minimum
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Overdraft Protection

Avoid the embarrassment and frustration of running out of money when you add overdraft protection to your membership. Review Policy

Shared Accounts

Link your account with others in your family to make transferring funds quick and easy.

Going Paperless

E-Statements and E-Notices keep you up to date on your financial life. Learn More

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