Checking Accounts

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

Budget Checking

Checkbook.

  • 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

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 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

Checkbook.

  • 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

Picture of man in train station. 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 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.

View our current Checking Rates