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The Top 5 Benefits of Free Checking at SCCU

Everybody should be able to keep their hard-earned money in a checking account with no strings attached. That’s why Space Coast Credit Union (SCCU) offers a Free Checking account with no hidden fees or restrictions to help you save money and simplify your financial life.
Ready to enjoy more freedom, flexibility, and convenience with a checking account? Whether you’re considering opening a free checking account or already have one here at SCCU, let’s explore the top 5 benefits of having one with us!
Why is it Important to Have a Free Checking Account?
Your checking account is like a “grand central station” where earnings flow in and purchases and payments flow out. This account should add more convenience—not stress—to your life. With a truly free checking account that doesn’t charge monthly service fees, you’ll save more money and get more peace of mind.
While some financial institutions claim they have a “free checking account,” they may waive monthly service fees only if you meet certain requirements. But that’s not the case with a Free Checking account at SCCU. You won't have to jump through any hoops to enjoy no monthly services fees, and you can delight in all the benefits below.
Are SCCU Free Checking accounts insured?
Yes! They’re federally insured up to $250,000 by the National Credit Union Association (NCUA), a U.S. government agency.
#1 Get Paid Up to Two Days Early42
Yes, you read that right! With SCCU’s Free Checking, you can get your direct deposit up to two days early.42 Forget about the wait for your next paycheck, and enjoy that “Friday Feeling” even earlier! Plus, an earlier direct deposit means you can stress less about making payments on time, and you’ll be able to get a head start on getting what you need or want. Learn more about direct deposits.
#2 Say Goodbye to Monthly Fees and Hello to Savings!
SCCU Free Checking accounts have no monthly service fees, no minimum daily balance, and no low balance fees. The average monthly service fee for noninterest checking accounts is $5.47, so you could be saving more than $65 a year with an SCCU Free Checking account.
You also don’t have to worry about using your debit card a certain amount of times a month or setting up a direct deposit (but you can receive your paycheck two days earlier42 if you do)!
#3 Save While You Spend with SCCU Saving Cents
SCCU Savings Cents is like a digital version of a spare change jar and puts your savings on autopilot! The difference? You’ll earn interest on that change!
You can link your SCCU Free Checking account to a Saving Cents account, which rounds up eligible debit card transactions to the nearest dollar and deposits the spare change. Little by little, the change will add up, helping you get one step closer to your savings goals!
Check out this calculator that shows how much you can save in 6 months on spare change with common purchases, such as lunch, gas, or coffee.
#4 Access a Large Network of Fee-Free ATMs
How about pocketing even more savings? While ATM fees continue to climb among banks (average total cost for an out-of-network ATM is $4.77), you can save on ATM fees with an SCCU Free Checking account. An SCCU debit card (for your Free Checking account) gives you access to over 20,000 surcharge-free ATMs nationwide, including SCCU’s own network of ATMs. See all of our ATM locations.
#5 Monitor Spending and More with Manage Cards
Since every SCCU Free Checking account comes with a debit card, you’ll have access to the Manage Cards feature in Online & Mobile Banking at SCCU, allowing you to take control of your debit card with just a few clicks!
Here are the top features of Manage Cards:
- Get spending insights: You can see how much you’re spending every month, where you’re spending every month, and how much you’re spending in different categories.
- Control usage: You can turn your cards on or off, set up alerts for transactions, set a spend limit per transaction, and restrict usage for certain locations, transaction types, and merchant types.
Plus, you can add your card to your digital wallet, manage travel plans, and set your PIN. Learn more about everything you can do with Manage Cards.
Additional Benefits of Online & Mobile Banking
With Online & Mobile Banking at SCCU, not only will you have access to Manage Cards, but you’ll also be able to access these features:
- Bill Payer: Manage your bills with third party payees all in one place.
- Mobile Deposit: Deposit checks in a snap!
- eStatements: With electronic statements, you can view your transactions, which keeps important account information out of your mailbox.
You’ll also be able to see your FICO Score. Learn more about digital banking at SCCU.
SCCU Fraud Prevention Features
At SCCU, our top priority is protecting your financial interests. Some of the top fraud prevention features SCCU offers with a Free Checking account:
- 2Way Text Fraud Alerts: With this service, we send you real-time texts when we detect suspicious activity.
- Visa® Zero Liability Protection14: This helps ensure you won’t be held responsible for unauthorized charges made with your account.
- Free account alerts: You can set up account alerts in Online & Mobile Banking to notify you of transactions, ATM activity, and more.
If you’d like to learn more, visit our Fraud Prevention Center.
Make the Switch to an SCCU Free Checking Account!
What are you waiting for? Make the switch to a free checking account today! You can conveniently apply online for Free Checking at SCCU with just a $25 opening deposit. Once opened, you’ll receive a debit card with these beneficial services. We also offer a helpful step-by-step Switch Kit that makes switching primary checking accounts even easier, eliminating overwhelm!
See “A Beginner’s Guide to a Free Checking Account” for more information.
About SCCU
SCCU is a not-for-profit financial institution and the third-largest credit union in Florida that serves members in 30+ counties with more than 60 branches and 24/7 Online and Mobile Banking. Membership is open to relatives of current members and anyone who lives or works in any of our service counties. As a credit union, we’re all about helping our members get the best rates for accounts and loans. If you have any questions, feel free to get in touch with us.
















































