OverviewSpecial 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.
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![]() Campus Connect members could win $500for textbooks each fall |
Features and BenefitsPerfect for college students
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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!
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Fees & Rates
Current Rates
Sub-Account Description | Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield*** |
---|---|---|---|
Savings | $1.00 | 0.05% | 0.05% |
Checking | $0.00 | 0.00% | 0.00% |
Service Fees Comparison
Click here for a full list of fees
Item | SEFCU Fee | New York State Bank/Credit Union average fee^ (as of April 2021) |
---|---|---|
Monthly Maintenance Fee |
$0 |
$7.22 |
ATM Foreign Transaction Fee (Non-SEFCU ATM withdrawal, includes POB transaction except for Allpoint® ATMs. Other institutions’ charges may still apply). |
No fee | 1.96 |
Counter Checks (4 per page) |
$2 ($0.50/per) |
$1.55 per |
Teller Checks |
$2 |
$10.65 |
Overdraft Transfer from Savings |
$2.50 |
$7.39 |
Returned Checks - Deposited |
$10 |
$15.22 |
Returned Checks - Insufficient Funds Charge** |
$28 |
$32.88 |
Paid Checks - Insufficient Funds Charge |
$28 |
$33.69 |
Stop Payment on Counter, Personal, or Teller Check (Official) |
$10 |
$29.99 |
^New York bank/credit union average fees are accurate as of April 2021 and are published in New York Credit Union Association’s RateWatch.
Compare
See which account is best for you
Campus Connect Program
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Really Free Checking
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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
More to think about...
SEFCU Scholarship
Extra Money for College
Merit-based scholarships
Especially for SEFCU members
Free SEFCU Debit Card
Keep Life Simple
Use for bills or purchases
Fee-free ATM access
SEFCU Mobile Apps
Stay Connected to Your Account
Card Management
Check deposits