Personal Checking
Your Money at Your Fingertips
We understand you require modern solutions with real values to meet your banking needs.
Our Checking accounts provide Online & Mobile Banking, giving you safe and secure access to deposit checks, pay bills and transfer money.
So go ahead, lose yourself somewhere new – safe in the knowledge that your money's always nearby.
| Free Checking |
Rewards Checking |
|
|---|---|---|
| Opening deposit & minimum balance | $0 | $0 |
| Monthly service fee | $0 | $01 |
| Earns dividends & Rewards Points | Check | |
| Free Remote Deposit | Check | Check |
| Debit Card with free access to 30,000 ATMs | Check | Check |
| Free Mobile payments & Card Controls | Check | Check |
| Free Overdraft Protection2 | Check | Check |
Rewards Points Program
To earn points, you simply use your SCE FCU Rewards Checking debit card on purchases as credit transactions – not debit. You'll earn points based on qualifying purchases and your account must be in good standing.
You can check your Rewards balance at ScorecardRewards.com.
Basic Elements - Legal Text
1Monthly fee waived with eStatements and monthly electronic deposit of $500; otherwise, $5 per product per month. 2Overdraft Protection from Savings or other accounts. Checking accounts subject to ChexSystems.
Rate Table: Checking & Savings
| Dividend Rate7 | APY8 | Compounding | Minimum Balance | Minimum Deposit | |
|---|---|---|---|---|---|
| Rewards Checking | 0.05% | 0.05% | Monthly | $0 | |
| Free Checking | 0.00% | 0.00% | None | $0 | |
| Fresh Start Checking | 0.00% | 0.00% | None | $0 | |
| Teen Checking9 | 0.00% | 0.00% | None | $0 | |
| Prime Savings | 0.05% | 0.05% | Quarterly | $250 | $5 |
| Super Saver | 0.10% | 0.10% | Quarterly | $0 | |
| IRA Savings | 0.10% | 0.10% | Monthly | $0 | |
| Health Savings Checking | 0.05% | 0.05% | Monthly | $0 | $50 |
| Non-Dividend Savings | 0.00% | 0.00% | Monthly | $0 | |
| Youth Savings9 | 0.05% | 0.05% | Quarterly | $5 | |
| Youth Super Saver9 | 0.10% | 0.10% | Quarterly | $0 | |
| Holiday & Vacation Club10 | 0.05% | 0.05% | Monthly | $0 | $10 |
Rates shown effective as of January 15, 2021
7Dividends are calculated on the Daily Balance Method for all accounts. 8APY = Annual Percentage Yield, and is based on the assumption that requirements will be met. Your statement will show the actual Annual Percentage Yield Earned (APYE). This may be different from the APY if the conditions are different from the above assumptions. Early withdrawal is subject to penalty on all Certificates. For example, if there are any fees, they could reduce the earnings on the account. 9Open to members under the age of 18. 10One scheduled distribution per year on both the Holiday Club and Vacation Club accounts - November 1 and June 1, respectively. Both accounts carry an early withdrawal fee of $15.