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® 
  • 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!

Fees & Rates

Current Rates

Minimum Opening Deposit Dividend Rate Annual Percentage Yield***
$1.00 0.05% 0.05%
$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



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



Overdraft Transfer from Savings



Returned Checks - Deposited



Returned Checks - Insufficient Funds Charge**



Paid Checks - Insufficient Funds Charge



Stop Payment on Counter, Personal, or Teller Check (Official)



^New York bank/credit union average fees are accurate as of April 2021 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?


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.
**Items returned unpaid (e.g., checks, ACH, bill payments) that are re-presented again for payment will be charged additional insufficient funds fees if available funds in your account are still insufficient when re-presented.
*** 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 - May 19, 2022. Fees may reduce earnings.