CHECKING

Convenient checking accounts just for you!

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.

NO MONTHLY FEES

Our checking accounts have no monthly service charges or per check fees and come with a Visa® Debit card. 

SECURITY

Using your PIN for transactions when possible adds an extra layer of security to your account. 

FEDERALLY INSURED

All SMW 104 FCU accounts are insured up to $250,000 by the National Credit Union Administration (NCUA).

EARN INTEREST

 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.)

ONLINE BANKING

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.

HASSLE-FREE DEPOSITS

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

SHARE rates

Effective December 2021

Account Name

Rate Type

Minimum Balance to Earn Dividend

Dividend Rate

Annual Percentage Yield (APY)

Regular Savings

Variable

$250.00

0.010%

0.010%

Christmas Club

Variable

$0.00

0.020%

0.020%

Vacation Pay Savings*

Variable

$2,500.00

0.020%

0.020%

Vacation Pay Checking

Variable

$2,500.00

0.020%

0.020%

Money Market**

Variable

$2,500.00

$10,000.00
$25,000.00
$50,000.00

0.030%
0.030%
0.050%
0.050%

0.030%
0.030%
0.050%
0.050%

IRA Savings

Variable

$0.00

0.010%

0.010%

*Vacation Pay Savings – This is grandfathered.
**Money Market – Dividends are paid monthly based on the aggregate balance in the account.

Accessibility