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Free Checking!

Looking for Really FREE Checking? Then check this out: NO minimum balance, NO per check charges, and NO monthly service fees.

Now That's Really FREE Checking!

Your Really FREE Checking account comes with a free SEFCU Visa® Check Card, optional overdraft protection, and rewards you can earn just by using your check card. And no more getting slammed with fees and hidden charges!

Easy Access to Cash

Your free SEFCU Visa Check Card lets you access your money at thousands of ATMs worldwide, pay recurring bills, and make purchases anywhere Visa is accepted. If your card is ever lost or stolen, just notify us and your liability for unauthorized use is zero! 

Overdraft Protection

If you choose, you can set up automatic overdraft protection through your Primary, Preferred, or Preferred Plus Savings. We'll simply transfer the funds needed to cover your overdraft for a small fee.

Personal Line of Credit

With SEFCU's Cash Reserve you're always covered. With a Cash Reserve you can overdraw your account up to your approved borrowing limit. Simply write a check, use your Check Card, or request an advance anytime you need extra funds.

Apply For Really Free Checking Today

  • Apply online 24/7
  • Visit a branch near you 
  • Call the Member Solutions Center at 518-452-8183 or 800-727-3328