Checking Accounts

Picture of check. Text reads Checking Account. Sierra Central logo. Federally Insured by the NCUA. Equal Opportunity Lender.

Budget Checking

Text reads Budget Checking. Picture of check registry, cash, calculator and bank statement.

  • A Low Monthly Service Fee.
  • All the convenience of a VISA debit card.
  • Access to Sierra Central ATMs at 18 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

Text reads Easy Checking. Picture of Sierra Central debit card, cash and checkbook.

  • Unlimited Access and Check Writing.
  • Low Monthly Service Fee.
  • All the convenience of a VISA debit card.
  • Access to Sierra Central ATMs at 18 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

Text reads Dividend Checking. Picture of checkbook, pen, cash, change and calculator.

  • 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 18 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

Picture of woman in airport. Text reads On The Go Checking.

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.
  • Access to Sierra Central ATMs at 18 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.

View our current Checking Rates