Free Checking
No fees. No interest. No stress.
Keep More of What You Earn
Tired of jumping through hoops just to avoid fees on your checking account? If you’re facing monthly service charges or high minimum balance requirements, it might be time to switch to Free Checking.
Your Money Should Work for You
At Seattle Credit Union, we believe your money should work for you–not the other way around. Free Checking keeps it simple with:
No Monthly Service Charge
Keep more of what’s yours. No hidden fees, just hassle-free banking.
No Minimum Balance
Bank at your own pace. There’s no balance requirement holding you back.
No Required Monthly Transactions
No hoops to jump through, no mandatory transactions–just simple, flexible banking.
Digital Banking Made Easy
Online and mobile banking, mobile deposits, Credit Sense & more. Let’s Talk Tech!
Free Visa Debit Card
Need a debit card fast? We can print on the spot – tap-to-pay included!
Easy Access To Your Accounts
30,000+ ATM network, 24/7 digital access, 7 locations, and a mobile branch.
Checking Account FAQ
You can open a checking account online or in-person at any of our convenient locations. Open your account online 24/7, visit one of our locations during business hours, or use our appointment scheduler to plan ahead.
These are the documents you’ll want to have handy:
- Government-issued ID, such as a Driver’s License, Passport, State or Military ID
- Social Security Number or Individual Taxpayer Identification Number (ITIN)
- Eligibility of Membership, if not confirmed with your government-issued ID
- You are eligible if:
- You live, work, worship or attend school in the State of Washington.
- You are an immediate family member of a current Seattle Credit Union member.
- You work for one of our community partners.
- You are eligible if:
We will also request:
- Residential address
- Email address
- Date of birth
For the fastest online account opening experience, please use a standard internet connection, not a VPN (Virtual Private Network).
To set up direct deposit, log in to Online Banking using either a browser or mobile app. From the “Accounts” menu drop down, select “Direct Deposit.” Here you can digitally set up direct deposit through your current payroll provider.
If your employer requires a paper form, here’s a link to a printable version:
English Spanish
Our digital banking tools and services are constantly growing and innovating to help you manage your money anytime, anywhere you go. Some faves with digital banking are:
- Move money between your accounts and loans.
- Set up your direct deposit digitally and swiftly.
- Deposit checks remotely (mobile app only)
- Use My Cards, to lock your card if you misplace it or if it is stolen. Unlock it if found.
- Automate your bill payments using our free bill pay service.
- Maximize your opportunities with Credit Sense, monitor your credit activity, and track your credit score.
To open a checking or other account with us, you’ll first need to establish membership by opening a savings account with a minimum deposit of $5. This step officially makes you a member of the credit union.
To confirm your eligibility for membership, please ensure you meet one of the following criteria:
- You live, work, worship, or attend school in the State of Washington
- You are an immediate family member of a current Seattle Credit Union member
- You work for one of our community partners
All new accounts go through a financial history review, and online applications include a digital identity screening. For the fastest online account opening, avoid using a VPN.