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SMW 104 Federal Credit Union offers checking accounts that come with all the benefits and services you need.
From no monthly fees to added security and 24/7 banking access…we have it all.
Our checking accounts have no monthly service charges or per check fees and come with a Visa® Debit card.
Using your PIN for transactions when possible adds an extra layer of security to your account.
All SMW 104 FCU accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).
Put your hard-earned money to work for you with our interest-bearing Vacation Pay Checking Account that pays you dividends! (Exclusively for Union Members, a minimum balance of $2,500 is required to earn dividends.)
Simplify your life by using Online Banking and our Bill Payment service. Save time and money with our FREE Bill Payment, and monitor your account history in real-time, view copies of checks and more with Online Banking.
We accept deposits by cash, check, payroll deduction, and direct deposit. It’s always FREE to use our Mobile Deposit App, any CO-OP Shared Branch location or CO-OP ATM using your SMW 104 Federal Credit Union Visa® Debit card.
Account Features | Checking | Vacation Pay Checking | Fresh Start Checking |
No Monthly Balance Requirement |  | | |
No Monthly Service Fee* | | | |
Debit Card | | | |
Direct Deposit | | | |
Access to Surcharge Free ATMs | | | |
Savings Overdraft Option | | | |
Interest Bearing Account | | ||
Shared Branching | | | |
Internal Person to Person Transfers | | | |
Online Banking Access | | | Limited |
eStatements | | | |
Bill Pay | | | |
Remote Deposit Capture | | | |
*Fresh Start Checking has a $5 Monthly Service Fee | |||
You can use your SMW 104 FCU Debit Card using Apple Pay at eligible stores. It is as easy as holding your phone up to a contactless reader at gas stations, pharmacies, grocery stores, retail locations, & more!
Easily add your card to Apple Wallet on your iPhone and no more need to fumble around your wallet or enter extra info during checkout!
Effective June 2023
Account Name | Balance | Dividend Rate | Annual Percentage Yield (APY) |
Membership Savings | $250.00 to $2,499.99 $2,500.00 to $19,999.99 $20,000.00 to $49,999.99 $50,000.00 to $74,999.99 $75,000.00 or more | 0.015% 0.015% 0.015% 0.025% 0.050% | 0.015% 0.015% 0.015% 0.025% 0.050% |
Christmas Club | $0.01 or more | 0.020% | 0.020% |
Vacation Pay Savings* | $2,500.00 or more | 0.020% | 0.020% |
Vacation Pay Checking | $2,500.00 or more | 0.020% | 0.020% |
Money Market** | $2,500.00 to $9,999.99 $10,000.00 to $24,999.99 | 0.149% | 0.149% |
IRA Savings | $0.01 or more | 0.010% | 0.010% |
Youth Savings | $5.00 or more | 0.499% | 0.500% |
Teen Savings | $5.00 or more | 0.499% | 0.500% |
*Vacation Pay Savings – This product has been grandfathered.
**Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
SMW 104 Federal Credit Union offers checking accounts that come with all the benefits and services you need.
From no monthly fees to added security and 24/7 banking access…we have it all.
Our checking accounts have no monthly service charges or per check fees and come with a Visa® Debit card.
Using your PIN for transactions when possible adds an extra layer of security to your account.
All SMW 104 FCU accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).
Put your hard-earned money to work for you with our interest-bearing Vacation Pay Checking Account that pays you dividends! (Exclusively for Union Members, a minimum balance of $2,500 is required to earn dividends.)
Simplify your life by using Online Banking and our Bill Payment service. Save time and money with our FREE Bill Payment, and monitor your account history in real-time, view copies of checks and more with Online Banking.
We accept deposits by cash, check, payroll deduction, and direct deposit. It’s always FREE to use our Mobile Deposit App, any CO-OP Shared Branch location or CO-OP ATM using your SMW 104 Federal Credit Union Visa® Debit card.
Account Features | Checking | Vacation Pay Checking | Fresh Start Checking |
No Monthly Balance Requirement | | | |
No Monthly Service Fee* | | | |
Debit Card | | | |
Direct Deposit | | | |
Access to Surcharge Free ATMs | | | |
Savings Overdraft Option | | | |
Interest Bearing Account | | ||
Shared Branching | | | |
Internal Person to Person Transfers | | | |
Online Banking Access | | | Limited |
eStatements | | | |
Bill Pay | | | |
Remote Deposit Capture | | | |
*Fresh Start Checking has a $5 Monthly Service Fee | |||
You can use your SMW 104 FCU Debit Card using Apple Pay at eligible stores. It is as easy as holding your phone up to a contactless reader at gas stations, pharmacies, grocery stores, retail locations, & more!
Easily add your card to Apple Wallet on your iPhone and no more need to fumble around your wallet or enter extra info during checkout!
Effective June 2023
Account Name | Balance | Dividend Rate | Annual Percentage Yield (APY) |
Membership Savings | $250.00 to $2,499.99 $2,500.00 to $19,999.99 $20,000.00 to $49,999.99 $50,000.00 to $74,999.99 $75,000.00 or more | 0.015% 0.015% 0.015% 0.025% 0.050% | 0.015% 0.015% 0.015% 0.025% 0.050% |
Christmas Club | $0.01 or more | 0.020% | 0.020% |
Vacation Pay Savings* | $2,500.00 or more | 0.020% | 0.020% |
Vacation Pay Checking | $2,500.00 or more | 0.020% | 0.020% |
Money Market** | $2,500.00 to $9,999.99 $10,000.00 to $24,999.99 | 0.149% | 0.149% |
IRA Savings | $0.01 or more | 0.010% | 0.010% |
Youth Savings | $5.00 or more | 0.499% | 0.500% |
Teen Savings | $5.00 or more | 0.499% | 0.500% |
*Vacation Pay Savings – This product has been grandfathered.
**Refer to your Agreements & Disclosure booklet for terms and conditions applicable to specific accounts.
