Checking Accounts

Having trouble receiving an authentication code to access digital banking? If you’re using the mobile app, please try having SELCO call you with the code or have the code emailed to you.

Choose the checking account right for you.

Select Checking

A free, no-hassle traditional checking account with 24/7 account access.

No monthly fees.
No balance requirements.
Optional upgrade to Select with Interest.
Free digital banking, debit cards, and optional Courtesy Pay overdraft protection.

Open an Account Learn More

Link Digital Checking

A connected account with rewards for banking digitally.

Earn dollar for dollar matches on your round-up savings up to $7/month.
Free overdraft protection, financial coaching, and no out-of-network ATM fees.

Open an Account Learn More

Elevate Checking

A credit-builder account to help you establish or strengthen your financial foundation.

Free one-on-one financial coaching and robust financial education tools.
Safeguards against overdrafts and NSF fees while you build healthy habits.
Graduate to Select or Link in as few as six months.

No-Fee ATMs

Access your cash at 30,000+ free ATMs across the US.

Overdraft Protection

Prevent overdrafts by linking your checking account to a savings account or credit card.

Mobile Deposit

Skip the branch visit and deposit checks with your smartphone.

Digital Banking

Check your balance, deposit checks, transfer funds, and pay your bills from any device, 24/7.

Card Controls

Turn your cards off and on, create spending alerts, add travel notices and more, all in digital banking.

SELCO Community Credit Union checking account debit card

Switch to SELCO (the easy way)

Ready to switch to SELCO from another institution? ClickSWITCH removes the hassle. Update your direct deposit, automatic payments, and subscription account information in just a few steps.

Learn About ClickSWITCH

I've been a SELCO member for four years, and they still continue to impress! The employees are always friendly and treat you more like family than an account holder. I’ll never go anywhere else.

— Cheyne Smith, member since 2017

Checking accounts at a glance

Features	Select Checking	Link Digital Checking	Elevate Checking
Built for	Those looking for a no-hassle traditional checking account.	Those looking for a digitally-optimized account that pays them back.	Those looking to build credit and strong financial habits on the way to a full-service checking account.
Rewards		Earn matches on your round-up savings up to $7/month.
Minimum opening balance	None	None	None
Minimum required balance	None	None	None
Monthly service charge	None for Select. $5 for Select with Interest if balance drops below $500.	None	None for basic account. $10 for optional Elevate Courtesy Pay service.
Round-up savings option
Free financial coaching
Earns interest	Available
eStatements	Available	Required	Available
Transaction alerts
Card controls
Mobile deposit
Mobile wallets
30,000+ free ATMs
Free credit reports
Savings goal tool
Spending analysis
Find out more	Open an Account Learn More	Open an Account Learn More	Contact Us Learn More

Account Type	Built for	Rewards	Minimum opening balance	Minimum required balance	Monthly service charge	Earns interest	eStatements
Select Checking	Those looking for a no-hassle traditional checking account.		None	None	None for Select. $5 for Select with Interest if balance drops below $500.	Available	Available
Link Digital Checking	Those looking for a digitally-optimized account that pays them back.	Earn matches on your round-up savings up to $7/month.	None	None	None		Required
Elevate Checking	Those looking to build credit and strong financial habits on the way to a full-service checking account.		None	None	None for basic account. $10 for optional Elevate Courtesy Pay service.		Available

Resources

Be Aware of Free Trial Offers

Before taking advantage of free offers, make sure you know what you’re signing up for, what resources are at your disposal, and what steps to take to keep surprises from appearing on your statements.

Wants vs. Needs: Finding the Perfect Balance

Whether you’re creating a new budget from scratch or reviewing previous months’ expenses, it’s helpful to consider if those expenses fall into the category of a want or a need.