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Whether you are looking for a checking account that offers multiple features like "checks" and "earned interest" or you simply want a place to safely store your money,
Find the perfect CHECKING account for your needs!
Monthly Service Fee
Minimum Opening Fee
Minimum Monthly Balance
Debit Card
In-Branch Customer Service
Online Banking
Mobile Banking
(at 20 branch locations)
(at 30,000 surcharge free ATMs via Co-Op ATM Network)
Bill Payer
Text Message eLerts
Overdraft Protection
Unlimited Checks
Interest Earning
(on balances of $2,500 or greater)
Saving for a big purchase
or rainy day?


A regular savings account is the only required account for members. It provides membership eligibility and serves as a basic savings account and is the cornerstone of our loan funds. When you open a new checking account, a new Regular Savings Account will also be added to your portfolio.
Get “Back to Financial Basics,”
with a Club Account!


Club Accounts help you save for some of life's more expensive events. Set up an automatic monthly
deposit for as little or as much as you want. Your
balance will transfer to a designated checking or
savings account just in time.

Digital Banking

  • Online banking - Enroll Now
  • Mobile apps for Apple & Android devices
  • Bill Pay
  • Mobile check deposit
  • Zelle® person-to-person payments
  • With the Plus Rewards you earn points for your purchases that can be used for merchandise, travel or cash back.

Courtesy Pay

Having a transaction denied or returned due to non-sufficient funds can be expensive and embarrassing. That’s why Sierra Central offers Courtesy Pay, an overdraft protection program that provides an added level of financial protection when you need it the most!

Your monthly checking account statement will reflect overdraft activity that may have occurred on your checking account during the month. Your statement will show the amount of fees that may have been applied to your account for the current month and also year-to-date fee amounts. We are happy to review Courtesy Pay and its features with you, along with giving you other options to add convenience and ease to your account. Please call us at 1-800-222-7228 for more information.

If you have other accounts with us, you can authorize us in advance to transfer the funds needed to cover your overdraft. There is a small fee for this service. Ask a Member Service Representative for more information.

Change It Up

Enroll today in our Change-It-Up Savings program and every time you use your Sierra Central VISA Debit card, your transactions will round up to the nearest dollar and the difference will transfer to your Main Share Savings account.

Relationship Rewards

Sierra Central Relationship Rewards* is a program that offers low or no cost products and services based on a members household relationship. Benefits include:
  • No Charge Checking Accounts
  • Signature Loan Rate Discounts
  • Waiver of Real Estate Loan Processing & Underwriting Fees
  • No Charge or Discounted Printed Checks
  • No Charge Cashier Checks
Visit one of our 20 branch locations to learn how to qualify.
*Relationship Rewards Program is subject to certain rules and restrictions. Membership and/or participation fees may apply. The program is subject to change at any time without notice.
How much could I save over time?
How much should I save each month?
*Free when the following conditions are met: Under the age of 25 years or sign up for eStatements and Online/Mobile Banking and use your Debit card 1x per month.

**Available when you link your Checking account to one or more of the following: Savings account, Line-of-Credit and/or Courtesy Pay (Courtesy Pay not available for those 18 years of age and younger).