Make us your main.
You deserve a checking account that’s ready for something serious.
Maybe you're opening your first checking account. Maybe you're heading to college, starting a new job, or realizing that the account you've had forever isn't really working for you anymore.
After all, your checking account isn't just another account. It's where your paycheck lands, your bills get paid, your debit card gets used, and your financial goals begin. When everything works together, managing your money gets a whole lot easier.
Built for everyday banking.
Whether you're receiving direct deposit, paying rent, shopping online, managing a family budget, or saving for what's next, free checking gives you the flexibility to manage your money your way.
Use it to:
- Transfer money and manage your accounts in one place.
- Bank from your phone with our mobile app or on the computer with online banking.
- Make purchases with your debit card.
- Receive direct deposits.
- Pay bills and subscriptions.
- Deposit checks from your phone.
Why STCU free checking?
Easy digital access.
Manage your account anytime, anywhere with our mobile app and online banking.
Free debit card.
Your STCU Debit Mastercard® is easy to use, secure, and stands out in your wallet.*
Help when you need it.
Visit one of our 50+ branches or ATMs, or call, email, or chat with us.
Federally insured.
Your deposits are federally insured up to $250,000.
A lot of people have a checking account they opened years ago and barely use. Others split their money across multiple banks, apps, and cards. It works... until it doesn't.
Thay’s why we think you’ll like making us your main.
Frequently asked questions.
Is free checking really free?
Yes. Free checking means no service or "per check" fees, no matter your account balance or number of transactions.
What do I need to open an account?
You’ll need a government issued ID/drivers license/state ID or passport, your complete physical address, your Social Security Number, and birthday.
What happens if I overdraft?
STCU offers overdraft protection options that may help cover transactions when your balance is low, including transfers from linked accounts and Privilege Pay coverage for eligible members. Fees and eligibility requirements may apply. Learn more.
How do I get a debit card?
A debit card will be mailed to the address we have on file. You can also get one instant issued at any of our branches.
Can I add cash to my account?
Yes. You can deposit cash with a teller at any of our branches.
Disclosures
No minimum balance to open an STCU checking account.
*Debit card documents: Guide to Benefits (PDF), ATM Access Agreement (PDF), Electronic Services Agreement (PDF).
