Everyday Checking Built for Everyday Life.
Whether you want straightforward, free checking with built-in fraud recovery or full-scale protection and lifestyle perks for the whole family, we have you covered.
-
Minimum to open account - $50
No minimum balance required
$8 monthly fee
Earns 1.00% Interest*
Up to 2 Days Early Pay 🗲
Free financial learning resources
Round Up Savings available
Online Mobile Banking
Direct Deposit
24/7 Telehealth with Zero Copays³
Cell Phone Protection (up to 4 phones)²
24-Hour Roadside Assistance Service²
Identity Theft Expense Reimbursement (up to $10k)²
Fully Managed Identity Theft Resolution Services¹
Dark Web Monitoring
CyberRecover™ (24/7 Cyber Advocates)
Travel and Leisure Discounts
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
Youth Accounts
When your teenager needs some money, it's not always convenient to get them cash and you definitely don't want to hand over your debit or credit card to them. (way too much power in their hands)
To help you out, we're introducing the new Teen Checking Account. They need to build smart money habits and you want peace of mind; it's time to give them some first-hand banking experience.
Frequently Asked Questions
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 or activate the benefits that come with Free Plus and Choice Plus Checking?
You can learn more, register, and log in at https://socu.enjoymybenefits.com.
Both Free Plus and Choice Plus Checking Accounts include Fully Managed Identity Theft Resolution Services to guide you step-by-step should your identity ever be compromised.
Choice Plus Checking also includes:
• Identity Theft Expense Reimbursement & CyberRecover™: Up to $10,000 in identity theft expense reimbursement, 24/7 personal cyber advocates, and dark web monitoring.
• 24/7 Telehealth3: Video or phone visits with board-certified doctors with zero copays for you and your family.
• Cell Phone Protection2: Up to $500 per claim ($50 deductible) covering up to 4 phones on your cellular bill (up to 2 claims per account per 12 months).
• 24-Hour Roadside Assistance2: Towing, battery jumps, lockouts, fluid delivery, and flat tire service up to $100 per occurrence (up to 2 claims per 12 months).
• Travel and Leisure Discounts: Access coupons and money-saving discounts from thousands of local and national businesses.
(Note: Certain benefits require registration and activation.)
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 do I need to open an account for my child?
To open any Youth Account, all you need is your child's birth certificate and social security card.
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
Disclosures:
*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 July 8, 2026. 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.
🗲 Checking account(s) with qualifying direct deposit may receive payroll funds up to two days earlier than the scheduled payday. This service is dependent upon the payor's transmission of payment instructions and is not available for all deposit types. Ineligible deposits may include, but are not limited to, tax refunds and non-payroll payments. Customers should expect a delay of up to two deposit cycles for the service to become active. Daily and per-transaction limits apply.
¹Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members 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. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account owner who are residents of the same household. Special 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.
²Special 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. Guide to Benefit can be found online at socu.enjoymybenefits.com. 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.³Available for the account holder(s) and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance. Registration/activation required.
# DIGITAL BANKING CREDIT SCORE REPORTING SERVICES - As a feature of your digital banking account, we will provide you with your credit score and report. This is a soft pull and will not affect your credit score. You authorize our partner SavvyMoney, Inc. to continuously obtain your credit report and use the information to verify your identity, provide you with financial education, and invite you to apply for products and services made available by us. Click here if you wish to decline enrollment in SavvyMoney services. By clicking 'I Agree’, you are accepting SavvyMoney's Terms of Service and Privacy Policy (unless you completed the decline enrollment instructions above). You may revoke this authorization at any time through your online banking credit score profile settings.
Suggested Reading
