Checking Accounts
Simplicity CU's checking accounts offer a blend of convenience, benefits, and options that prioritize your financial well-being and offer tools to help you manage your money efficiently. You'll enjoy easy access to your funds through our online banking, checks, and debit card that is perfect for everyday purchases, from groceries to online shopping. Our debit cards are mobile wallet ready, budget friendly, and have fraud protection, ensuring your transactions are safe and seamless.
Online Account Opening
The online account opening process only takes a few minutes. Gather the following items beforehand for each person on the account in order to help the application go as quickly as possible:
- Social Security Number
- Government-issued Identification
- Account number (if ACH transferring funds from another account)
- Member number (if current member)
Checking Accounts Offered
- No minimum balance
- No monthly fee
- Debit card/ATM access
- Online banking access
- Mobile banking/mobile check depositB
- SimpliPay
- Overdraft account link options
- Unlimited check writing
- Rates
- Minimum balanceA - $1,000
- Monthly fee - $0/month with $1,000 balance or more; otherwise $5.00/month
- Debit card/ATM access
- Online banking access
- Mobile banking/mobile check depositB
- SimpliPay
- Overdraft account link options
- Unlimited check writing
- Rates
- Minimum balanceA - $1000
- Monthly fee - $5.00/each month balance falls below $1,000
- Debit card/ATM access
- Online banking access
- Mobile banking/mobile check depositB
- SimpliPay
- Rates
- Tax-free distributions (if qualified)
- Tax deductions
- Balance carries over from year to year
- Additional source of retirement income
- Must be covered under an HSA-eligible high deductible health plan (HDHP)
- A Dividend accounts earn dividends on balances over $1000. Money Market account earn dividends on balances over $25.
- B Mobile Banking and Mobile Deposit terms and conditions apply.
- Review the terms and conditions for full account details.