Checking

How much does your checking account cost you?

People rely on a financial institution for all kinds of financial services. But it all starts with checking. At Select Seven Credit Union, our FREE checking accounts are worth checking into. Our checking accounts now earn dividends and have other excellent benefits such as:

  • No monthly service charge

  • No minimum balance

  • Complimentary checks @ opening of account

  • FREE Visa Debit Card

  • FREE online banking with bill pay

  • FREE online check imaging

  • Unlimited check writing

  • Unlimited teller transactions

  • ATM service

  • Payroll Deduction

  • Courtesy Pay Overdraft Protection

  • Payday Advance

  • Audio Response

  • Direct deposit

  • Free e-Statements

At Select Seven Credit Union, our checking accounts are FREE and we mean FREE!  You won’t find any hidden costs here because we are members serving members. Checking accounts that are worth checking into.

Second Chance Checking

What is Second Chance Checking?

For those who may have been denied a checking account due to past difficulties - such as an account closed to an overdraft fee - SSCU Second Chance Checking can help you get re-established. Contact us for additional information.

  • $10 monthly service fee

  • After 12 months of good history, NO monthly service fee

  • Free Visa Check Card

  • Low-cost checks available

  • $50.00 minimum deposit

  • Courtesy Pay optional (certain restrictions apply)

VISA Debit Cards

A Visa Debit Card works like a check – only better. Just present the card at the time of purchase, and the amount will be automatically deducted from your checking account. With every purchase, you’ll get a receipt for easy record keeping. You can also review your transactions on your monthly statement and by logging into CU@Home online banking. The Visa Debit Card eliminates the need to carry bulky checkbooks, multiple identification cards, and large amounts of cash. The Visa Debit Cards are accepted worldwide at businesses that accept Visa cards, and with the debit card, you’re in and out of the stores in no time. The Visa Debit Cards are free with all SSCU Checking Accounts. Get Started Now!

To report a lost or stolen debit card during normal business hours, contact SSCU at (423) 282-0671 or toll-free at (800) 228-4738. After normal business hours, please call (800) 472-3272.

Courtesy Pay

We understand. It happens to all of us.

  • You make an honest mistake in your checkbook

  • You’re a little short on cash 2-3 days before payday

  • Unusual or unforeseen circumstances popped up at just the wrong time

That’s why SSCU offers Courtesy Pay, an added member service that protects your checking account when an inadvertent overdraft occurs. Courtesy Pay may cover your insufficient fund’s items up to $300.00, for one $35 fee per covered overdraft transaction. That means, instead of returning a check or ACH to the merchant because of insufficient funds, or denying a debit card transaction, SSCU may pay your item, saving you additional charges from the merchant collection companies. Repayment must be satisfied within 45 days, or your checking and /or share accounts could be subject to closure.

Courtesy Pay:

  • Protects you from merchant returned check charges

  • Protects you from the embarrassment of a “Bounced Check”

  • Protects your good credit

SSCU reserves the right not to pay any item if your account balance is not sufficient to cover the item. SSCU may not pay items beyond the $300 Courtesy Pay limit.