HOLIDAY HOURS - Our branches will be closed on Monday, 1/17, in observance of Martin Luther King, Jr.'s Birthday. You may use Online or Mobile Banking, our 24-Hour Telephone Teller, or any SCCCU or CO-OP ATM (free of charge) to conduct most of your Credit Union business. 

Community Checking Account

Our low-fee Community Checking Account covers all your essential needs while providing you with 24/7 access to your funds. You can easily manage your money on your time.

Get more details.

TIPS     Checking Tip: Set up account alerts on your checking account to protect you and your money.

Download more about Checking Accounts at SCCCU
Descargue más sobre las cuentas de cheques en SCCCU

Community Checking Account

Here's What You Need to Know About a Community Checking Account


  • Unlimited check writing
  • Conveniently access your funds 24/7 using online or mobile banking, surcharge-free ATMs, or our telephone teller at 831-425-7708
  • Deposit checks wherever you are using our FREE mobile banking app
  • Pay bills using Online Bill Pay
  • Make payments to friends or family using online or mobile banking.
  • Change your debit card PIN whenever you want using our PIN Management System at 877-746-6746
  • Use overdraft services1
  • Manage your account easily using eStatements
  • Feel confident knowing your funds are federally insured up to $250,000 by the NCUA


  • $25 minimum balance required to open your account
  • Nominal $7 monthly service fee with eStatements (or $8 without eStatements) that can be waived if you:
    • Have an aggregate total of $500 directly deposited to your account each month;
    • Maintain an aggregate loan balance of $5,000 or more; OR
    • Conduct 15 or more debit card (signature-based) transactions per month

1Overdraft Protection is optional. You must opt in to benefit from this free service.