Checking Accounts

Budget Checking

Picture of calculator, checks, and a billings statement.A low monthly service fee, no minimum balance requirement and you can write up to 15 checks a month ($0.25 fee for each additional check). With a Sierra Central debit card you will have access to withdraw funds from your account at 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 Checking

Offers unlimited access and check writing. All our checking accounts come with a VISA debit card that gives you access to your funds at 30,000 ATMs nationwide through the CO-OP ATM network. Our Easy Checking Account has a low monthly service fee and you can offset the monthly service fee by utilizing Direct Deposit, eStatements, and/or maintain an average monthly balance in the account.*

Dividend Checking

Earns interest and has unlimited access and check writing with a low monthly service fee. Our Dividend checking 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. Plus access to your funds at 30,000 ATMs nationwide through the CO-OP ATM network. Our Dividend Checking account has a low monthly service fee that can be offset by utilizing Direct Deposit, eStatements, and/or maintain an average monthly balance in the account.*

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

On-The-Go Checking is a VISA debit card account without the hassle of writing checks.A video explaining how debit cards work.

  • 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 mobile, ATM or electronically

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

*Monthly service fee discounts offered through Sierra Central Relationship Rewards program.