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With Superior Checking, you can focus on less of the everyday mishaps and more on what matters. We have you covered with savings like Cellphone Protection, Roadside Assistance, ID Theft Protection & Monitoring, Buyers Protection & Extended Warranty. With Superior Checking, it’s simple to protect your finances, save money on everyday purchases and enjoy your life.

  • No minimum balance
  • $4.99 monthly service fee
  • Pays Competitive Dividends*
  • eAlerts and Co-op CardNav for debit card monitoring and card control
  • Instant-Issue MasterCard debit card**
  • Online and Mobile digital banking with Bill Pay and Mobile Deposit
  • Online check viewing
  • Unlimited use of SCCU ATMs 
  • SCCU has a network of ATMs and shared branching locations ready to give you access to your accounts when you are away from home
  • Overdraft services available to those that qualify
  • Direct Deposit or Payroll Deduction available
  • And More!

Access your Superior Checking Benefits at today!

A Message from our CEO Regarding Superior Checking

Superior Checking helps protect you from unexpected losses

Cellular Telephone Protection1
Receive up to $600 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims and a maximum of $1,000 per twelve-month period. Covers up to four phones on a cellular telephone bill. (Cellular telephone bill must be paid using an eligible account.)

Buyers Protection1 covers items for 90 days from the date of purchase against accidental breakage, fire, or theft.

Extended Warranty1 extends the U.S. manufacturer’s original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with this account for coverage.)

Help Better Protect Your Identity

Identity Theft Expense Reimbursement Coverage1
Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

Comprehensive Identity Theft Resolution Services
Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.

Online Identity Theft News Center and Valuable Phone and Web Resources
registration/activation required). 

Debit and Credit Card Registration
Register your credit, debit, and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen (registration/activation required)

Access to credit report and credit scores. Daily credit file monitoring and automated alerts of key changes to your credit reports
(registration/activation required).

Credit File Monitoring
Daily credit file monitoring and automated alerts of key changes to your credit reports. (registration/activation required)

Credit Report and Score3&4
Access to credit report and credit scores.
(registration/activation required)

Credit Score Tracker4
Receive valuable insight into your credit score3.

Identity Monitoring
Monitoring of over 1,000 databases.
(registration/activation required)

Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness. (available online only)

Save on health care

Health Discount Savings
Enjoy savings on vision, prescriptions and dental services.
This is NOT insurance. (registration/activation required)

Save when you play

Travel and Leisure Discounts
Money-saving discounts from thousands of local and national businesses – redeem and print coupons online or access discounts from a mobile device. (available online only)
Roadside Assistance Service1
24-hour coverage for roadside assistance services including vehicle towing, fuel/oil/fluid/water delivery, and battery/ lock-out/tire assistance up to $100 per occurrence. Maximum of two reimbursement claims per twelve-month period.
$hopping RewardsTM
Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it’s that easy!
(registration/activation required; available online only)

* Visit for current rates.
**$5 reorder fee for lost cards.
1Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions, and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the certificate of insurance. Insurance Products are not insured by the NCUA or any Federal Government Agency; Not a deposit of or guaranteed by the credit union or any credit union affiliate.
2Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students.
3Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. Once you have activated credit file monitoring, you may request your credit score. Once you have done so, you will have access to your score on a monthly basis.
4Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.


Attention Business Owners!

As part of our long-time commitment to supporting and promoting local businesses, we have launched a FREE New mobile marketing platform exclusively for local merchants called Superior Rewards. 


Basic Checking

Our Basic Checking account is a no-frills, no-maintenance fee checking account that provides basic checking benefits.

  • No minimum balance 
  • Instant-Issue MasterCard debit card
  • Online Banking, Mobile Banking, with Bill Pay and Mobile Deposit
  • eStatements
  • Co-op CardNav for debit card monitoring and card control
  • eAlerts via text or email
  • Online check viewing
  • Remote Deposit Capture - Deposit checks right from your mobile phone!
  • Unlimited use of SCCU ATMs 
  • SCCU has a network of ATMs and shared branching locations ready to give you access to your accounts when you are away from home
  • Overdraft services available to those that qualify
  • Direct Deposit or Payroll Deduction available