OverviewNo fees. No kidding!Keep your hard-earned money with a free checking account that won’t hit you up for service fees, per-check charges, or other hidden costs. (Of course, some fees are out of our control—like for other banks’ ATMs and any bounced checks.)
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![]() Free means free$0 minimum balance |
Features & BenefitsNo maintenance fees or hidden charges
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Fees
Current Rates
Minimum Opening Deposit | Dividend Rate | Annual Percentage Yield*** |
---|---|---|
Free Checking - No Minimum | 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 May 2020) |
---|---|---|
Monthly Maintenance Fee |
$0 |
$9.50 |
Counter Checks (4 per page) |
$2 ($0.50/per) |
$1.96 per |
Teller Checks |
$2 |
$6.53 |
Overdraft Transfer from Savings |
$2.50 |
$7.90 |
Returned Checks - Deposited |
$10 |
$14.79 |
Returned Checks - Insufficient Funds Charge**** |
$28 |
$33.63 |
Paid Checks - Insufficient Funds Charge |
$28 |
$33.48 |
Stop Payment on Counter, Personal, or Teller Check (Official) |
$10 |
$30.50 |
^New York bank/credit union average fees are accurate as of May 2020 and are published in New York Credit Union Association’s RateWatch.
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Open a SEFCU Really Free Checking Account today
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Really Free Checking
Checking with member perks
No minimum balance
SEFCU Debit Mastercard® with cash-back rewards
Free online, mobile, and Text Banking
Open Today
More to think about...
Free SEFCU Debit Card
Keep Life Simple
Use for bills or purchases
Fee-free ATM access
SEFCU Lightning Credit Card®
Be Rewarded When You Shop
3% back on groceries, 2% on online purchases, 1% on everything else
No annual fee
Personal Line of Credit
Cash When You Need It
Borrow up to $25,000
Use as overdraft protection