The SJCU Checking Account

Why not choose the ONE checking account that has it all? The San Jose Credit Union Checking Account combines all the qualities you want in one account: no monthly fees, dividends paid, PLUS free, convenient access. Visit one of our Branch Offices or call us at (408) 294-8800, option 6, to open a checking account.

Click here to download a checklist and compare your current account to ours.

 

 

 

 

NO MONTHLY FEES

No monthly service fees No per check charge (unlimited check writing) No minimum balance requirement No direct deposit requirement No teller transaction charges - you never pay to talk to a live person All you pay for are your printed checks and fees incurred by you, such as stop payments, etc.

Click above for a Switch packet to make changing your account easier.

 

 

 

 

 

YOU EARN DIVIDENDS

Your Checking Account could actually earn money for you. We pay dividends quarterly on your Average Daily Balance with a minimum balance of $200. Click here  to view our dividend rates.

CONVENIENT ACCESS

• Use ANY ATM with no SJCU charge*
• Use ATMs surcharge-FREE through the CO-OP Network, many of which take deposits
• The CO-OP Network now includes 5,500 7-Eleven stores & 341 Costco stores 
• FREE VISA Check Card available for your account
• FREE use of online TellerNet banking
• Your choice of statements via mail or e-Statements.
• Your checks will be written in duplicate with carbonless copies
• Online check reordering via TellerNet. This is a secure, quick and easy way to reorder checks.
• FREE online Bill Pay 
• Through Direct Deposit, you may arrange to have your paycheck and other recurring checks, such as Social Security, City Retirement, etc., deposited automatically into your account
• Overdraft protection available. This is a real advantage to you when you inadvertently run out of money in your checking account.

*other instituions not on the CO-OP Network may charge a fee.

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What is a surcharge fee?  A "convenience" fee, typically $1.50 or more, that some financial institutions charge for using their ATM if the ATM card being used is not theirs.

Get more information on checking accounts, and how to manage them, with our interactive Anytime Adviser.

Open your Checking Account today by visiting one of our Member Service Representatives at the branch nearest you  or calling (408) 294-8800. You can also email us at sjcu@sjcu.org to get the process started.