Checking Product Comparison – Open a Checking Account – Sierra Central Credit Union

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Dividend Easy Budget On-The-Go U25
Monthly Service Fee $8.00 $8.00 $6.00 None* None for ages 24 and under*
Minimum Balance None None None None None
VISA Debit Card Included with access to 30,000 ATMs nationwide through the CO-OP ATM Network Included with access to 30,000 ATMs nationwide through the CO-OP ATM Network Included with access to 30,000 ATMs nationwide through the CO-OP ATM Network Included with access to 30,000 ATMs nationwide through the CO-OP ATM Network Included with access to 30,000 ATMs nationwide through the CO-OP ATM Network
Account Details Unlimited check writing and pays a dividend on balance tiers under and over $2,500 Unlimited check writing Write up to 15 checks per month. $0.25 for each additional check. All electronic account, no check writing, deposit by electronic service, eStatements required.* Write up to 15 checks per month. $0.25 for each additional check.
Discounts $4.00 Direct Deposit of $1,000

$4.00 Average Balance of $1,000

$2.00 for eStatements

$4.00 Direct Deposit of $1,000

$4.00 Average Balance of $1,000

$2.00 for eStatements

$4.00 Direct Deposit of $1,000

$4.00 Average Balance of $1,000

$2.00 for eStatements

Available for ages 13 and up.  Monthly service fee waived through age 24. Converts to Budget account at age 25
Electronic Services No Cost Online Banking, Bill Payer*, Mobile Banking with Mobile Deposit and Card Valet No Cost Online Banking, Bill Payer*, Mobile Banking with Mobile Deposit and Card Valet No Cost Online Banking, Bill Payer*, Mobile Banking with Mobile Deposit and Card Valet No Cost Online Banking, Bill Payer*, Mobile Banking with Mobile Deposit and Card Valet No Cost Online Banking, Bill Payer*, Mobile Banking with Mobile Deposit and Card Valet
*Discounts given will not exceed the cost of the monthly service fee.  U25 monthly service fee waived until age 25, account converts to Budget account. Limited to 15 written checks per month, will be assessed $0.25 per check written beyond the first 15.  $6.95 monthly fee assess for inactive Bill Payer or excess of 25 transaction per month.  On-The-Go account requires eStatements, Online Banking, and Debit Card, written checks or in-branch transactions $2.00 each with a $20 monthly cap.

All transaction/checking accounts have access to Online Banking, Bill Payer, Mobile Banking with Mobile Deposit and the use of Card Valet.

U25 – A checking account for ages 13 up to 24 years!

  • No monthly service fee until the age of 25 year and then the account will convert to our regular Budget Checking account.
  • VISA Debit Card
  • Write up to 15 checks a month
  • Online Banking
  • Mobile Banking
  • Bill Payer
  • Receive transaction eLerts on your mobile phone with Card Valet.

On-The-Go – Not like a regular checking account

Flash Content

On-The-Go Checking is a VISA debit card account without the hassle of writing checks.

  • No monthly service fee
  • All the convenience of a VISA debit card
  • Electronic Bank Statements
  • Online Banking, Bill Payer and Mobile Banking
  • No overdraft fees. We will automatically decline transactions if there is not enough funds in the account
  • Plus access to Sierra Central ATMs at 17 different branch location in Northern California
  • Access to 30,000 ATMs nationwide through the CO-OP ATM Network.
  • Deposits made by electronic services

This account is perfect for those on-the-go.

Budget

  • Low monthly service fee, No minimum balance requirement
  • Write up to 15 checks a month ($0.25 fee for each additional check).
  • Sierra Central VISA debit card
  • Access to 30,000 ATMs nationwide through the CO-OP ATM network.
  • Offset the monthly service fee by utilizing Direct Deposit, eStatements, and/or maintain an average monthly balance in the account

Easy

  • Unlimited access and check writing.
  • VISA debit card
  • Access to 30,000 ATMs nationwide through the CO-OP ATM network.
  • Low monthly service fee
  • Offset the monthly service fee by utilizing Direct Deposit, eStatements, and/or maintain an average monthly balance in the account.*

Dividend

  • Unlimited access and check writing
  • Low monthly service fee.
  • Pays a base dividend rate on balances $2,499.00 or less and an increase dividend rate on balances of $2,500.00 and higher.
  • Access to your funds at 30,000 ATMs nationwide through the CO-OP ATM network.
  • Offset monthly service fee by utilizing Direct Deposit, eStatements, and/or maintain an average monthly balance in the account.*