find the best Checking account for you
At Service One Credit Union, we believe personal checking accounts should fit your spending style with easy-to-understand terms.
FREE with every SOCU Personal Checking Account:
Instant Issue |
Electronic Bill Pay |
Easy External Transfer |
Member to Member Transfers |
Online & Mobile Banking |
Mobile Check Deposit |
Free Check Images |
Monthly e-Statements |
Card Controls on app |
Mobile Wallet |
Account/Debit Card Alerts |
Over 400,000 Free ATMs |
Choice Plus
Checking with Benefits + Interest
Includes ID Theft + Dark Web Monitoring
-
Minimum to open account - $50
No minimum balance required
$8 monthly fee
Earns 1.00% Interest*
Free financial learning resources
Round Up Savings available
Online Mobile Banking
Loan Rate Discount**
Direct Deposit
Identity theft protection †
Dark web monitoring †
Credit monitoring †
Mobile Phone Coverage †
Savings & Discounts package †
Free Plus
Free Checking PLUS Extra Benefits
Includes ID Theft + Dark Web Monitoring
-
Minimum to open account - $50
No minimum balance required
No monthly fee
Earns 0.10% Interest*
Free financial learning resources
Direct Deposit
Online mobile banking
Identity theft protection †
Dark web monitoring †
Credit monitoring †
Free
Free Checking for Students, Seniors
-
Minimum to open account - $50
No minimum balance required
No monthly fee
Free financial learning resources
Online mobile banking
Direct Deposit
What’s The Advantage? Secure, Easy Access.
Custom Alerts
Fraud Protection
Anytime Access: Thousands of ATMS in our network.
Card Controls: Card locking feature
Payment Options: Digital Wallet, Account Transfers
Checking FAQs
How do I order checks?
You can order checks online. Please have the routing number (283978357) and your account number ready.
How do I get more information on insurance plans that come with Free Plus and Choice Plus Checking?
You can learn more, register, and login here: https://socu.nxgstrategies.com/
Free Plus and Choice Plus Checking Accounts include nxg|PROTECT to help you plan for and recover from the effects of identity theft as well as provide you with access to multiple proactive identity fraud monitoring solutions; start protecting yourself today by clicking on the
"Register Here" button below.
Choice Plus Checking also includes:
nxg|MOBILE - easy to use mobile phone insurance for all phones owned by the primary account holder with no registration required.
nxg|SAVE - access to shopping, dining, entertainment, and travel discounts right on your phone!
Register Here
Can I use my SOCU debit card with mobile wallets?
Yes! Add your Service One debit or credit card today and fly through your next checkout experience with a simple tap. Mobile Wallet is a fast, safe, and simple way to pay online and on the go. Use your smartphone or smartwatch to make purchases. Apple Pay®, Google Pay™, and Samsung Pay® are quick and easy to set up on your smart device and are available to use at merchants who accept this form of payment.
What Our Members Say
“Great place to do business. Friendly staff and they also have good deals with saving accounts and CDs. Highly recommended by me.”
“Service One Credit Union has the best customer service around. I’ve always been impressed with the friendliness of the staff.”
“Excellent customer service with CD acquisition and funds transfer.”
Get the most of your membership with Exclusive Perks
Disclosure:
*Terms and Conditions. APY = Annual Percentage Yield. The Free Plus Checking Account includes an APY of 0.10% and Choice Plus earns 1.00% for balances $0 to $24,999.99 and .10% for balances $25,000 and greater as of May 1, 2023. No transaction limitations apply to this Account. One membership Share account is required per primary member. Free Plus Checking Account includes monthly e-statements at no charge. If you would prefer to also receive printed monthly statements mailed to you, that optional service is available for a fee of $5 per month.
**Loan Rate Discount: For Choice Plus checking accounts, the member can receive a .25 rate discount on Vehicle, RV, Boat, Motorcycle, Powersport, and Lifestyle loans.
† Checking account benefits are provided by NXG Strategies and details can be reviewed at socu.nxgstrategies.com or you can call 1-866-647-6223. Registration requires an Enrollment ID provided by Service One Credit Union, please contact 270-796-8500 to receive a unique Member ID. Identity Theft expense reimbursement insurance up to $25,000 for out-of-pocket expenses incurred during the recovery process. Credit Monitoring watches for new activity that might appear on your TransUnion® credit report, including credit inquiries, new credit lines, derogatory credit, name changes and address changes. Dark Web Monitoring is an intelligent and proactive identity theft detection solution that searches for compromised information across the deep and dark web. In the event that any of your registered information is detected in this environment as being used or transacted fraudulently, you will be alerted, and provided with corrective actions. This service also provides easy, secure online storage of your credential data for retrieval in the event of theft of a purse or wallet, or home disaster. Savings and Discount program offers savings on dining, travel, shopping, and entertainment; it can be accessed on the My Deals Mobile℠ app or at nxgsave.enjoymydeals.com anytime. Mobile Phone Coverage includes Accidental Damage, Mechanical Failure, and Theft for all mobile phones owned by the primary account holder, no pre-registration required, includes cracked screens, liquid spills, burglary, and robbery, pays up to $500 minus a $50 deductible, 2 claims per consecutive 12-month period, 30 day waiting period after coverage start date for damage or mechanical failure, no waiting period for theft, damages that occur during waiting period are not covered.