Checking Accounts

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. 

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.

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 checking account fees icon

No-Fee ATMs

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

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Mobile Deposit

Skip the branch visit and deposit checks with your smartphone.

Early deposit access icon.

Early Deposit Access

Access ACH direct deposits up to two days early. 

Credit and debit card controls icon

Card Controls

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

No overdraft checking account fees icon

Overdraft Protection

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

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. 

 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 No Earn matches on your round-up savings up to $7/month. No
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.
Early Direct Deposit Access** Yes Yes Yes
Round-up savings option No Yes No
Free financial coaching No Yes Yes
Earns interest Available No No
eStatements Available Required Available
Transaction alerts Yes Yes Yes
Card controls Yes Yes Yes
Mobile deposit Yes Yes Yes
Mobile wallets Yes Yes Yes
30,000+ free ATMs Yes Yes Yes
Free credit reports Yes Yes Yes
Savings goal tool Yes Yes Yes
Spending analysis Yes Yes Yes
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 Early Direct Deposit Access** Round-up savings option Free financial coaching Earns interest eStatements Transaction alerts Card controls Mobile deposit Mobile wallets 30,000+ free ATMs Free credit reports Savings goal tool Spending analysis
Select Checking Those looking for a no-hassle traditional checking account. No None None None for Select. $5 for Select with Interest if balance drops below $500. Yes No No Available Available Yes Yes Yes Yes Yes Yes Yes Yes
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 Yes Yes Yes No Required Yes Yes Yes Yes Yes Yes Yes Yes
Elevate Checking Those looking to build credit and strong financial habits on the way to a full-service checking account. No None None None for basic account. $10 for optional Elevate Courtesy Pay service. Yes No Yes No Available Yes Yes Yes Yes Yes Yes Yes Yes

*There is no minimum balance required to keep a checking account open. However, members must have a SELCO Savings Account - which does carry a $5 minimum balance requirement - open in order to open a checking account.

**Early Deposit Access is dependent on the timing of the payor’s ACH instructions. Early access ACH deposits are provisional credits and may be reversed if final payment is not received. 

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