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.

Basic Checking
Earn dividends if your average daily balance is over $100. 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
  • Maintain a combined average daily balance of $5,000 across all your accounts
Premium Checking

Earn a premium dividend and pay no monthly fee if your average daily balance is above $2,500. 

Benefits of All Self-Help Checking and Savings Accounts

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

Which Account is Right For You?

Basic Checking

  • Minimum Opening Deposit: $5
  • Monthly Service Fee: $5 with options to be waved
  • Interest Rates: 0.05% if daily average balance is above $100

Premium Checking

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

How to Apply

Existing Members

Existing members can apply for our checking accounts in person at one of our branches, or by mailing in a printed Personal Share Application.

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.