Basic and Premium Checking Accounts

Choose between two kinds of checking to meet different needs: Basic and Premium. Both offer unlimited check-writing and a convenient debit card. The monthly fee is only $5, with options for skipping the fee altogether. Overdraft protection is also available.

Out of checks?—No need to contact a branch. Order SHCU replacement checks here if your check vendor is Harland-Clarke. Be aware that check vendors will charge you for replacement checks.

Which Account is Right For You?

Basic Checking

  • Minimum Opening Deposit: $5
  • Monthly Service Fee: $5 with options to be waived —
    • Checking is free when you do ANY of the following:
    • Sign up for free e-statements each month;
    • Set up a recurring direct deposit of $25 or more;
    • Or maintain a combined average daily balance of $5,000 across all your accounts.
  • Interest Rates: 0.05% if daily average balance is above $100

Premium Checking

  • Minimum Opening Deposit: $2,500
  • Monthly Service Fee: $5 if average daily balance is below $2,500
  • Interest Rates: 0.15% if daily average balance is above $2,500


  • Competitive interest rates
  • Funds insured up to $250,000
  • Free access to participating ATMs across the nation 
  • Online banking and bill pay
  • Mobile banking (with check deposit) and bill pay
  • Free audio banking and e-statements

How to Apply

Existing Members

New Members

Not a member yet? No problem. Visit our Join Us page to learn about eligibility and how to become a member of Self-Help Credit Union.