Checking with Debit Card Rewards | Over 30,000 Surcharge-Free ATMs

Checking

The SCU Credit Union Difference – Unlike banks, we’re member-owned and focused on your financial well-being, offering better rates, lower fees, and personalized service. Every account opened strengthens our ability to give back to you, local organizations, and community initiatives.

open a checking account

Which checking account is right for you?

We've got plenty of checking options for your specific needs.

MyFree

Standard, hassle-free checking account perfect for your daily spending needs

No Monthly Fees: Say goodbye to maintenance charges.
Low $5 Opening Deposit: Start strong with just $5.
Earn Debit Card Rewards: Every purchase earns points with the uChoose Rewards® program.
No Transaction Fees: Seriously. No transaction fees.

MyGreen

Enjoy a rewarding banking experience with MyGreen Checking, designed for members who are online for their everyday banking needs.

ATM Surcharge Reimbursements: Get up to 8 non-SCU ATM surcharges reimbursed per month!*
No Hidden Fees: No need to worry about a monthly fee with MyGreen Checking
Low Opening Requirement: Open your account with just $5.
Earn Debit Card Rewards: Every purchase earns points with the uChoose Rewards® program.
Need Checks? Checks are available for a low transaction fee of $1.00 per check.

MyInterest

Perfect checking account for those who maintain larger checking balances and want to earn interest.

Earn interest on your checking account balance
Waive Monthly Fees: Keep your balance $500 or above to avoid a $5.00 monthly maintenance service charge
Low $5 Opening Deposit: Start strong with just $5.
Earn Debit Card Rewards: Every purchase earns points with the uChoose Rewards® program.
No Transaction Fees: Seriously. No transaction fees.

see all checking rates

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*You may be assessed an additional fee or surcharge by the ATM owner if they are not a member of the CO-OP or SUM Network.

Plus every checking account also comes with...

Remote Check Deposit

Make check deposits conveniently and securely from home, office or on the go

Free Access to Credit Score

Stay on top of your financial health with free access to your credit score through SavvyMoney.

30,000+ ATMs Nationwide

Access thousands of surcharge-free ATMs nationwide*

*You may be assessed an additional fee or surcharge by the ATM owner if they are not a member of the CO-OP Network.

Enhanced Security

Rest easy, your account is protected by advanced fraud prevention through Enfact.

Transfers Made Easy

Move money between SCU accounts or send funds externally with just a few clicks.

Debit Card Rewards

You can earn reward points just by using your SCU Credit Union Debit Mastercard.

SCU Debit Mastercard®

A Debit Mastercard® that earns rewards points - Yep. You can earn reward points just by using your SCU Credit Union Debit Mastercard®. Plus, it's safer than carrying cash and easier than writing checks.

learn more about our debit card

Money Builder Bundle

Combine any of the checking accounts with our SCU Direct Savings account and start building your savings! An automated savings plan that pays up to 4.00%APY¹ combined with a checking account that offers debit card rewards.

learn more about SCU Direct open SCU Direct account

businessman paying for hotel room using tap to pay cell phone

The safe and easy way to pay

Linking your SCU Credit Union Debit Mastercard with a Digital Wallet is a smart move towards a more convenient and secure financial experience.

Advanced security features, such as tokenization and biometric authentication, to protect your financial information and offer a safe and convenient transaction experience.

learn more about digital wallets

Over 30,000* surcharge-free ATMs

You can avoid ATM fees by using your card at thousands of locations nationwide at SUM^SM and Co-op ATM surcharge-free locations. The Co-op ATM network offers over 30,000 surcharge-free ATMs*, covering all 50 states and 10 countries – an ATM network that’s larger than almost any banks.

Find locations near you

*You may be assessed an additional fee or surcharge by the ATM owner if they are not a member of the CO-OP Network.

Shopping with SCU debit card pays rewards

Earn rewards with our debit card

A Debit Mastercard® that earns rewards points - Yep. You can earn reward points just by using your SCU Debit Mastercard®.

Enjoy shopping more with uChoose Rewards. From little everyday purchases to big splurges, uChoose earns rewards points each time you buy. Earning points using your SCU Credit Union Debit Mastercard® is easy... and redeeming the points you earn is fun.

Here’s how it works:

Register with uChoose Rewards® to start building your points bank.
You will earn points for using your SCU Debit Mastercard® as "credit" at the register.
- For every $3 spent on signature based transactions, you will receive one uChoose Rewards® point.
Redeem for brand-name merchandise, gift cards, hotel stays, car rentals, cruises, or airline tickets.

uChoose login sign up for uChoose Rewards learn more about uChoose rewards

Overdraft Protection Services

You not only have options in checking accounts, you also have options protecting your account. We offer an Overdraft Protection Line of Credit or Overdraft Privilege Services. You can choose one, some, none or all. Each offers unique features and benefits, so find which is best for you.

Learn More About Overdraft Protection Services

Your money is 100% safe. 100% insured.

SCU Credit Union is insured by both the National Credit Union Association (NCUA) and Massachusetts Shared Insured Corporation (MSIC). Your money is 100% insured regardless of the amount at SCU Credit Union. MSIC provides Excess Share and Deposit Insurance to all members of SCU Credit Union automatically. The coverage is a benefit of membership and comes at no direct cost to you. MSIC insures the portion of any legal, verifiable share or deposit account that exceeds NCUSIF coverage with no limit.

Your checking toolkit

A trove of tools and tips to transform your finances