Checking Accounts
Budget Checking
- A Low Monthly Service Fee.
- All the convenience of a VISA debit card.
- Access to Sierra Central ATMs at 20 different branch location in Northern California.
- Access to 30,000 ATMs nationwide through the CO-OP ATM Network.
- No Minimum Balance Requirement.
- Write Up To 15 Checks A Month.
($0.25 fee for each additional check)
Offset the monthly service fee by utilizing Direct Deposit, eStatements, and/or maintain an average monthly balance in the account.*
Easy Checking
- Unlimited Access and Check Writing.
- Low Monthly Service Fee.
- All the convenience of a VISA debit card.
- Access to Sierra Central ATMs at 20 different branch location in Northern California.
- 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.*
Dividend Checking
- Earns Interest.
- Unlimited Access and Check Writing.
- Low Monthly Service Fee.
- All the convenience of a VISA debit card.
- Access to Sierra Central ATMs at 20 different branch location in Northern California.
- Access to 30,000 ATMs nationwide through the CO-OP ATM Network.
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.
Offset the monthly service fee 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.

- No monthly service fee.
- All the convenience of a VISA debit card.
- Access to Sierra Central ATMs at 20 different branch location in Northern California.
- Access to 30,000 ATMs nationwide through the CO-OP ATM Network.
- 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.
- 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.