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Don't pay for free checking

Are you suddenly faced with paying a monthly service charge for your checking account or having to keep a high minimum balance or making a monthly direct deposit to avoid it? If so, you might consider switching to Seattle Credit Union. We have a full suite of checking accounts, including Free Checking, which has no monthly service charge, no minimum balance requirement, and no mandatory monthly transactions.

You'll also enjoy:

  • Nearly 30,000 surcharge-free ATMs in the Co-op Network
  • Over 5,000 surcharge-free Shared Branches in the Co-op Network
  • Free Online Banking and Bill Pay
  • Free mobile app
  • Free eStatements

Switching is easy. You can do it online, by phone at 206.398.5500, or in one of our nine convenient branches. It only takes a few minutes, and you'll be on your way to keeping more of your money each month.

You're More Than Just a Minimum Balance.

Seattle Credit Union is a not-for-profit, financial cooperative built by and for our members. We know that you’re more than your minimum balance. That’s why we tailor our products and services to individuals and families—not the other way around. We work to bring you the products and services you need without nickel and diming you with unnecessary fees. When you prosper, we prosper. That’s how it should be.

Open An Account

Do You Know Someone Looking for a Better Checking Account?

If you know someone else who is looking for a new checking account, you can both earn $25 when they open it at Seattle Credit Union. See full details here.

Our Free Checking Account Offers

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No Minimum Balance

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No Monthly Service Charge

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Access to surcharge-free ATMs

Your Partner in Growth and Prosperity

Seattle Credit Union was born in Seattle and we share Seattle’s vision and passion for ensuring a robust future for everyone who lives in the Puget Sound. We work with our members to find the best financial solutions, so they can enjoy personal prosperity however they define it.

We also use our resources to contribute to and work with those agencies in our communities that are caring for the most vulnerable residents. We believe everyone deserves a chance to reach their potential, and sometimes we all need help on that path.

We celebrate our differences, as multiple perspectives breed the best solutions. We know that inclusion leads to prosperity. While prosperity is a different dream for each of us, we are committed to bringing yours to life.

Become a Member

Debit cards with the latest digital features

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CardValet®

Debit cards make it quick and convenient to make purchases online, at the corner store, coffee shop, or movie theater. To make your shopping safer, we offer CardValet. CardValet is an app-based service that allows you to manage your Seattle Credit Union debit and credit cards from your mobile device with just a few swipes. You can do things like turning your card on and off, setting geographic restrictions, restricting or allowing transactions based on the type of merchant, schedule alerts and more.

Learn About CardValet

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Digital Wallet

You can now connect your Seattle Credit Union credit and debit card to Apple Pay®, Samsung Pay®, or Android Pay®. Using digital wallet is even easier than plastic—your information is transmitted when you hold your device in front of the retailer’s check-out device, or contactless reader, wherever the Apple Pay, Android Pay, and Samsung Pay symbols are displayed. When you are ready to get started, read on about the few easy steps it takes to set it up.

Learn About Digital Wallet

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Llamanos

Por favor llame al 206.398.5594 para comunicarse con nuestros representantes que hablan Español a fin de obtener detalles o si tiene preguntas.

We make opening your account fast.

Getting your loan at Seattle Credit Union could not be more simple. There are three easy ways to apply:

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By Phone

Call one of our friendly member representatives, who are happy to answer any questions you might have. They can help explain products and talk you through the opening process. Call 206.398.5500 to get started.

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Online

When you are ready to open an account, you can head over to our online loan application. Answer a few short questions, hit submit, and you’ll usually have an answer in just a few minutes.

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In Person

Stop by any of our convenient branches to talk with our helpful, friendly member representatives. They can help you figure out which product is right for you and get your accounts opened quickly.

On-page - Deposit Lead Capture Form

Not ready to act just yet?

Just fill out your info below and we'll contact you and help answer any questions you may have.

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