Campus Connect


Special perks, especially for college students

“Free” just might be a college student’s favorite word. So the SEFCU Campus Connect program sets students up with free checking, free ATMs*, and free mobile and online services.



Campus Connect members could win


for textbooks each fall

Features and Benefits

Perfect for college students

  • We’ll make the $1 minimum deposit to open
  • Free online, mobile, and text banking
  • Free account transfer options
  • Free SEFCU Debit Mastercard® with cash-back rewards
  • 55,000+ free ATMs*, including Allpoint® network ATMs (in CVS®, Walgreens®, Speedway®, and Target®, plus locations across the U.S., Canada, Mexico, Puerto Rico, Australia, and United Kingdom)
  • We don’t charge Campus Connect members for using non-SEFCU or Allpoint® ATMs (other institutions’ charges may still apply)
  • If your debit card is lost or stolen, notify SEFCU (800-727-3328) and your liability for unauthorized use is $0**
  • Use ClickSWITCH to quickly and easily switch Direct Deposits and automatic bill payments!


Learn how to complete the SEFCU College Membership Application

SEFCU is conveniently located right on campus. Find out how we can serve your banking needs!



    Current Rates

    Minimum Opening Deposit Dividend Rate Annual Percentage Yield***
    $1.00 0.10% 0.10%
    $0.00 0.00% 0.00%

    Service Fees

    Item Fee New York State bank/credit union average fee^
    (as of July 2019)
    Certified Personal Check $5 $10.46
    Check Protest Fee $15 N/A
    Copy of Canceled Check $5 $3.12
    Counter Checks (4 per page) $2 ($0.50/per) $1.56/per
    Original Canceled Check $5 N/A
    Returned Checks - Deposited $10 N/A
    Overdraft Transfer from Savings $2.50 $7.48
    Returned Checks - NSF (Non-Sufficient Funds) $28 $33.54
    Return NSF from POS/Check Card $28 $33.18
    Stop Payment done through SEFCU OnLine $10 N/A
    Stop Payment on Counter Check $20 $30.64
    Stop Payment on Personal Check $20 $30.64
    Stop Payment on Teller (Official) Check $20 $30.64
    Monthly Charge No fee $6.46

    ^New York bank/credit union average fees are accurate as of July 2019, and are published in New York Credit Union Association’s RateWatch.


    See which account is best for you

    Campus Connect Program 

    • Available for college students
    • Branches on four college campuses
    • Free mobile/online services
    • Free remote deposit
    • Free Debit Mastercard®
    • Free ATMs, beyond SEFCU and Allpoint*


    Really Free  Checking

    • Great for most members
    • 50 branches across our communities
    • Free mobile/online services
    • Free remote deposit
    • Free Debit Mastercard®
    • Free SEFCU and Allpoint® ATM access

    Learn More

    Apply Now

    Open a Campus Connect account today!

    Current SEFCU member?

    Open Today

    Not a member?

    Join SEFCU

    Campus Connect

    Special perks for students

    Chance to win $500 for textbooks

    Free text banking available

    On-campus branches

    Open Today

    View Campus Connect

    More to think about...

    * SEFCU members are not required to pay a fee at Allpoint ATMs. If a charge screen appears during your Allpoint ATM transaction, enter “yes” to accept the charge and proceed with your withdrawal. The additional fee will not be deducted from your SEFCU account. The savings can be $3 or more per transaction. Please note, at international Allpoint ATMs, you will still be responsible for the Mastercard® Foreign Currency transaction fee.
    See for details.
    *** Annual Percentage Yield. Minimum average daily balance to obtain APY is $250. Rate and APY are variable and are subject to change after the account is opened. APY is accurate as of today - November 23, 2020. Fees may reduce earnings.