ATM transactions involving overdraft are currently unavailable. We are working to get this resolved and apologize for the inconvenience.

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Keep track of your money at a glance.

Your transactions tell a story. Add notes to better remember every purchase. And quickly search your account by merchant name, keyword, or amount to capture all your important purchases.


Regular Checking

 Basic Checking and No Minimum Balance

A great account for those who prefer to do most of their banking electronically!

Enjoy the following convenient Online and Mobile Banking services with no minimum balance requirement:

  • Access your account and monitor your balance online
  • Pay bills from any smart device
  • E-Statements

Open your Basic Checking Account with an initial deposit of $50 or more and receive:

  • Service One Visa® Debit Card
  • A sheet of Insta-checks to get you started*

All of this convenience for a monthly service fee of only $8.95.  Even better, sign-up for Direct Deposit and the monthly service fee is waived

Overdraft Options

*Order additional checks if needed on the tab above.

Easy Checking

 EASY Says it All!

Our best account for those who want to earn monthly interest on their checking balance.Couple working on Finances

Access your account in the ways you prefer. You can choose to:

  • Enjoy the convenience of Online Banking to see your balance
  • View your monthly statement on our Home Page, or receive a paper statement, the choice is yours
  • Make purchases with your Service One Visa® Debit Card or pay by check
  • Monitor your checking activity Online or with our One Call audio response system
  • Maintain a minimum balance of just $1000 – and pay no monthly service fee; a service fee of $8.95 is applied if the minimum balance requirement is not met.

Rates

Student Checking

 No Minimum Balance or Monthly Fee

Get started taking care of your money so it can take care of you! Service One Credit Union can help. This checking account features no minimum balance and no monthly maintenance fee. A parent is required to open an account if you are under age 18. Members 17 and younger earn dividends on just $25 or more. You get the following FREE:

  • iPhone and Android appsMale Student with Books
  • Digital Wallet
  • Shared Branching Network Access
  • Apply for Annual Scholarship
  • Mobile Deposit-Age 16 and up
  • Debit Card
  • One “Oops” overdraft refund
  • Complimentary Box of Checks
  • Guide to Money Booklet
  • Mobile Deposit-Age 16 and up
  • Money Manager & App: The Service One Budgeting Tool

Join Today!

Teen Checking

 Teen Checking

Checking for Teens Age 13 - 17

Get your first Checking account with this special Teen Checking. It will help you get on the right financial path.

With this account you get FREE: 
Checking No monthly maintenance fee and no minimum balance required.
 
Guide to Money Curious about where to start? Our Guide to Money booklet, along with our online Teen portal, will give you the information you need to be successful with your finances.
   
Visa® Debit Card Debit Cards are faster and safer than using cash and can be used at ATMs and anywhere Visa® is accepted.
   
Online Banking Access your account anytime to look at detailed transactions, set up FREE e-statements, and email or text alerts.
   
Mobile Banking

Keep up with your finances on the go! Deposit checks for free, transfer cash between your accounts, and more. One-Time “Oops” Overdraft Waiver Everyone makes mistakes - for that we have a one-time use waiver of an overdraft fee.

   
1st box of checks Your first box of checks in on us!  You may never write a check, but just in case you need one, you will have checks.
   
Apply for WKU Scholarships High school seniors planning on attending WKU have the ability to apply for one of our incoming WKU freshmen scholarships. Check back in 2021.

Check it out!

Direct Deposit

 Direct Deposit

Save time!  Do you want your paycheck in your account before you leave work on payday? 

For your convenience, we offer automatic deposit to your checking or saving account. Make your life easier by providing your employer with our routing number, 283978357, and your full account number to start your direct deposit. See your deposit on Mobile Banking! If you need additional assistance to start direct deposit, contact us.

Debit Card

 Activate Debit Card Alerts Today!

Your Money's Talking. Better Listen!

Take action to protect your debit card.  Get Debit Card Alerts for large purchases, activity notifications, low balance warnings and more. 

You choose the alerts you want to receive and how you want to receive them by text message or email. Debit Card Alerts offer a convenient way for you to manage your money and help protect you from fraud by putting you in control of your account information. Get this world-class feature free from your local credit union.

Activating Debit Card Alerts
Log in to activate Debit Card Alerts today! You will need your debit card information to set up the alerts. Young Lady with debit card and shopping bags

Activate Now

Problems with your Debit Card? 

Lost or stolen card?  Please call Service One during regular business hours at 1-800-759-8500. Or call 1-866-820-8860 or 1-800-449-7728 after hours.

Reset pin #, call 1-866-985-2273.  You must call from the phone number listed on the account. Please call Service One during regular business hours at 1-800-759-8500 or 1-800-449-7728 after hours.

PERSONAL CHECKING ACCOUNT LINEUP

FREE with every SOCU Personal Checking Account 

 VISA Debit Card
Online and Mobile Banking
 Account to Account, Member to Member transfers

 

 Electronic Bill Pay
 Mobile Check Deposit
 Monthly eStatement

 

 eWallet (Android Pay & Apple Pay)
 Free Check Images through online and mobile
 Account/Debit Card Notifications and Alerts
 
 
 Instant Issue (Walk out with your Debit Card!)
 Free Gift at Opening
 Free Access to over 40,000 ATM's coast-to-coast (link)
  Debit Card Courtesy Pay
 

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A great choice for those who want premium dividend rates on their check account balance.

What you get with a $100 opening balance!

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  • Tiered Dividends (true blended rate)
  • $0-$25,000 ?  .75%
  • Over $25,000 will received standard dividends
  • Minimum $100 to open

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  • Requires minimum $500 (cumulative) monthly direct deposit.
  • .25%-.5% discount on installment loans with autopayment from this account
  • Free Box of Checks at Opening
  • Includes Credit 1 Package (Identity Theft and Dark Web Protection for 3 Generations)
  • Included Mobile Device Protection Package
  • Includes SAVE Package which provides discounts on shopping dining and travel
  • *$8.95 Monthly Maintenance

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A great choice for those who want premium dividend rates on their check account balance.

What you get with a $100 opening balance!

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  • Tiered Dividends (true blended rate)
  • $0-$25,000 ?  .75%
  • Over $25,000 will received standard dividends
  • Minimum $100 to open

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  • Requires minimum $500 (cumulative) monthly direct deposit.
  • .25%-.5% discount on installment loans with autopayment from this account
  • Free Box of Checks at Opening
  • *$8.95 Monthly Maintenance

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