Benefits of all Self-Help Checking Accounts Earn above-average dividends Surcharge-free ATMs nationwide and access to a national branch network Free online banking and bill pay Free e-statements Free debit card Mobile banking, including check deposit and bill pay Unlimited check-writing Make a difference by supporting stronger communities! Basic 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 Which Account is Right For You? Basic Checking Low $5 minimum deposit to open Earn 0.05% APR if your average daily balance is above $100 Multiple easy ways to waive the low $5 monthly service fee Premium Checking $2500 minimum deposit to open Earn 0.15% APR if your average daily balance is above $2500 Low $5 monthly service fee if average daily balance falls below $2500 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.