Black America Family

Checking Accounts

Tired of boring checking accounts? Security Credit Union offers options designed for your needs—whether it’s higher dividends, lower overdraft fees, rewards, or a fresh start for challenged credit. Our checking accounts are anything but ordinary. Visit a branch or call us to learn more!

Choose the checking account that fits you.

Premium checking

Our higher, dividend bearing account for members who want to earn money from their checking account.

Features

  • $10,000 Minimum daily balance
  • Dividends available (See rate sheets)
  • No monthly fees with 10 Debit Card transactions, keeping your minimum balance and using eStatements
  • Monthly Fee: $12.95
  • Rewards Debit Card Available
  • FREE access to Online & Mobile Banking
  • NSF & Courtesy Pay Fee: $35
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Bold Checking

An account designed for members who want to earn dividends while using their debit card for transactions

Features

  • $500 Minimum daily balance
  • Dividends available (See rate sheets)
  • No monthly fees with 10 Debit Card transactions, keeping your minimum balance and using eStatements
  • Monthly Fee: $9.95
  • Rewards Debit Card Available
  • FREE access to Online & Mobile Banking
  • NSF & Courtesy Pay Fee: $35

Security Checking

With no minimum balance and no monthly service fees, this account is designed for members who like to keep things easy.

Features

  • No Minimum daily balance
  • $5.00 monthly fee
  • Rewards Debit Card Available
  • FREE access to Online & Mobile Banking
  • NSF & Courtesy Pay Fee: $35
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Opportunity Checking

Sometimes bad things happen to good people and this account will help you get back on your feet.

Features

  • No Minimum daily balance
  • No monthly fees
  • Rewards Debit Card Available
  • FREE access to Online & Mobile Banking
  • NSF & Courtesy Pay Fee: $0
Checking AccountsPremium
Checking

Bold
Checking

Security Checking
Opportunity
Checking
Our higher, dividend bearing account for members who want to earn money from their checking account.An account designed for members who want to earn dividends while using their debit card for transactionsWith no minimum balance and no monthly service fees, this account is designed for members who like to keep things easy.Sometimes bad things
happen to good people and this account will help you get back on your feet.
Minimum Balance$10,000 daily balance$500 daily balance$0$0
Dividends*Yes, see our rate
sheet for details
Yes, see our rate
sheet for details
NoneNone
How to Avoid Monthly Fee10 debit card transactions10 debit card transactionsN/AN/A
Maintain minimum balance
Maintain minimum balance
Use eStatementsUse eStatements
Monthly Fee$12.95$9.95$0$5.00
Rewards Debit Card AvailableYesYesYesYes
No Fee Access to Online Banking,
Bill Pay & Mobile Banking
YesYesYesYes
NSF and Courtesy Pay Fee$35$35$35$0
*Dividends forfeit if minimum balance requirements are not met.

Checking benefits that keep getting better.

Direct Deposit

Don't waste time waiting in line every payday. With Direct Deposit you can have your paycheck, Social Security, Government or Retirement check automatically electronically deposited into your Security Credit Union account.

 

Payroll Deduction

With Payroll Deduction, a portion of your paycheck can be automatically deposited into your Security Credit Union account. It’s a secure, convenient way to save a little from each paycheck! Getting started is simple - Contact us today to sign up!

 

Easy Access

To access funds from your Checking Account you can write a check, use your MasterCard Debit Card, or make payments electronically via automatic payments or online banking.

 

Track Finances 24/7

Use Online Banking on our website and Security Credit Union's Automated Telephone Banking System to manage your money at a time and place that's convenient for you.

 

Account Alerts

Account Alerts are account notices sent by email to keep you up-to-date on your account. Enroll through your Online Banking. You choose the alerts you wish to receive such as Payroll Deposits, ACH Credits/Debits, High/Low Balance alerts and more!

 

Security Credit Union - Opportunity Checking 2025-2026