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Free Checking

Easy and secure banking

Space Coast Credit Union's Free Checking is absolutely FREE, with no hidden fees or restrictions. In fact, members with an SCCU Free Checking account save $101 on average each year compared to big banks!40 You get all of the convenience you expect with Online and Mobile Banking, plus you'll receive your direct deposits up to two days earlier FREE!42

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Product Features

Why open a Free Checking account at SCCU? You can...

Saving Cents Round Up Program

Save while you spend
with SCCU Saving Cents

Easily link your Free Checking account
to a round-up savings account.

Card Controls

Manage your card usage
with the SCCU Mobile app

Turn your cards on and off, set spending restrictions, monitor transactions, and more.
Terms & Fees
Minimum opening deposit


Minimum daily balance


Monthly low balance fee


Requires an adult joint account holder


Monthly service fee


Earns Interest


Free Visa® Debit Card


Frequently Asked Questions

Absolutely, and getting started with our most popular checking account couldn't be easier! You can open your free checking account online with just a few clicks, or stop by one of our convenient locations if you prefer. Either way, please have your Social Security Number and U.S. mailing address handy. If there will be other owners on your account, they will need to provide the same information. You'll also be asked to provide identification in accordance with Federal regulations so that we can verify your identity.

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Yes! We have everything you need to manage your Space Coast Credit Union accounts from anywhere, at any time. Your options include:

  • Free online banking: There's no need to drive to the branch when you can simply use your mobile device or computer to access your accounts. You can keep track of your account balances, monitor activity on your accounts, order checks, and much more.
  • Online Bill Payer: You can make a payment to an individual or a business from the funds in your SCCU free checking account. Schedule recurring payments, make a one-time payment, and monitor all of your bill-paying activities in one place.
  • Online statements: SCCU's e-statements make viewing current and past account statements easier than ever. Secure and convenient, e-statements make documentation for recordkeeping, budgeting, or loan applications instantly accessible. If there's ever any suspicious activity on your account, you'll receive notification via mail or email.
  • Online transfers: This feature allows you move funds between your own accounts or send money to other financial institutions with SCCU's External Account Transfer. You can even quickly send or receive money with an e-mail address or SMS text message on your mobile phone with our Person-to-Person service.
  • Alerts: Keeping up with all of the activity on your Space Coast Credit Union free checking account is fast and easy with our customizable Online Banking alerts. Email alerts can be sent to you on all types of account activity, including balance limits, the receipt of a direct deposit, a credit card or debit card purchase, withdrawals on your account, and more.
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You may open your new SCCU free checking account with a minimum deposit of just $25.00.

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From free online checking accounts to online-only banks, there's no question that you have more choices than ever when it comes to where to bank, but all financial institutions are not equal. One of the most important advantages of choosing a credit union is that it is owned by its members. Everyone who banks at Space Coast Credit Union automatically becomes a member when they open a Share Savings account, which is our primary membership account. And what does membership really mean? It means that instead of having a group of executives making decisions about our financial institutions, we have a board of directors. Each board member is elected and each is an SCCU member, so you know that they'll make decisions with your interests in mind.

More reasons to consider banking with SCCU include the access you'll have to great interest rates, whether you're borrowing to buy a new home or vehicle, or saving with an IRA or CD. You'll also enjoy new ways to save, from valuable rewards to checking accounts with no fees.

Lastly, you'll also have peace of mind: Your deposits are insured up to $250,000 by the National Credit Union Administration (NCUA).

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The best free checking account is the one that meets all of your needs for security and convenience, and that offers the features that are most important to you. At Space Coast Credit Union, you can have it all:

  • Security: Just as the FDIC protects deposits in traditional banks, your deposits (up to $250,000) are insured by the National Credit Union Administration (NCUA). SCCU also protects your personal information from unauthorized use and access.
  • Convenience: If you like to do your banking in person, Space Coast Credit Union has branches from Palm Coast to Homestead, and all points in between. If you'd rather take care of your banking when it's most convenient for your schedule, we have Online Banking, Online Bill Pay, and more.
  • Benefits: No matter what type of checking account you open with Space Coast Credit Union, you'll enjoy a free Visa® debit card, free online statements, free direct deposit, free ATM transactions at more than 90 locations, and so much more.
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Once you open your account with a $25.00 minimum deposit, you'll enjoy true free checking. There are no hidden fees, no monthly minimum balance requirements, no transaction fees, no monthly fees, and no direct deposit requirement.

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In addition to our absolutely free (and most popular) checking account, we have a range of checking accounts to meet our members' individual banking needs. These include:

  • Interest Checking: If you want a checking account that earns interest without high minimum balance requirements, SCCU's Interest Checking account fits the bill. You can open the account with a $1,500 deposit, and there's no monthly balance fee if you maintain a minimum daily balance of $1,500. You also enjoy unlimited check writing and teller withdrawals, and there's no direct deposit requirement.
  • Student Checking: Students from the age of 13 to 17 can start building good money-management habits with this no-fee account. It includes a free Visa® debit card with fraud protection and free account alerts for children and parents.
  • Health Savings Checking: When you want to save for future qualified medical expenses and have a health plan with a high deductible, SCCU's Health Savings Checking account lets you earn interest and offers tax advantages. There's no monthly fee or minimum balance, and a free Visa® debit card is included.
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