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Sea Air Federal Credit Union Flexible Rewards Checking

in Checking Accounts from Sea Air Federal Credit Union

Unaffiliated

Sea Air Federal Credit Union Flexible Rewards Checking

Unaffiliated

in Checking Accounts from Sea Air Federal Credit Union

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Highlights
Community Rating	Rating not yet determined In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
Monthly Fee	$0
ATM Fee: Out-of-Network	$0
Minimum Balance to Avoid Monthly Fee	N/A
APY (Annual Percentage Yield)	0.75% - 1.51%

Sea Air Federal Credit Union Flexible Rewards Checking Review

Sea Air Federal Credit Union Flexible Rewards Checking is offered by Sea Air Federal Credit Union, a credit union founded in 1952 and based in Seal Beach, CA. Sea Air Federal Credit Union Flexible Rewards Checking is available in 1 state across the USA.

Key Takeaways

Very high APY. This account offers an annual percentage yield of up to 1.51%, which is much higher than the average for a checking account.However, you must keep a minimum balance of $1.
$0 monthly fee. This account does not charge a monthly maintenance fee.
Small minimum initial deposit. You only need $1 to open an account.
Free bill pay. Pay your bills to practically anyone in the United States through Sea Air Federal Credit Union.
Hard credit pull. Sea Air Federal Credit Union may require a hard pull on your credit report to open a checking account.

Sea Air Federal Credit Union Flexible Rewards Checking Pros & Cons

Pros	Cons
High-interest yield. Access to physical branches. Free debit card No charge on incoming domestic or international wire transfers.	No signup bonus. Does not provide access to a nationwide ATM network. Not FDIC-insured. Only available in one state. Higher than average wire transfer fees.

Sea Air Federal Credit Union Flexible Rewards Checking FAQ

Are checking accounts from Sea Air Federal Credit Union federally insured?

Yes, your Sea Air Federal Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Sea Air Federal Credit Union Flexible Rewards Checking offer?

Sea Air Federal Credit Union Flexible Rewards Checking offers an APY starting at 0.75% and ranging up to 1.51% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $1.

Sea Air Federal Credit Union Flexible Rewards Checking Rates and Terms
Rates	Amount
APY (Annualized Percentage Yield)	0.75% - 1.51%

What are the account minimums for Sea Air Federal Credit Union Flexible Rewards Checking?

Sea Air Federal Credit Union Flexible Rewards Checking requires a minimum initial deposit of $1 to open an account.

Sea Air Federal Credit Union Flexible Rewards Checking Account Minimums
Description	Amount
Minimum Initial Deposit	$1
APY Minimum Balance	$1

What fees does Sea Air Federal Credit Union Flexible Rewards Checking charge?

The good news is that this account does not have a monthly service charge.

Sea Air Federal Credit Union Flexible Rewards Checking Fees
Description
Monthly Fee	$0
Paper Statement Fee	$1
ATM Fee: In-Network	$0
ATM Fee: Out-of-Network	$0
NSF Fee	$30
Overdraft Protection Fee (per transfer)	$30
Overdraft Item Fee	$30
Early Account Closure	$0
Returned Deposit Fee (Domestic)	$30
Debit Card Replacement Fee	$5
Bank Teller Fee	N/A
Check Cashing Fee	N/A
Online Bill Pay Fee	$0.75
Stop Payment Fee	$30
Check Image Service	N/A
Check Copy	N/A
Foreign Transaction Fee (Debit Card)	1%
Wire Transfer Fee - Domestic (Outgoing)	$30
Wire Transfer Fee - International (Outgoing)	$30
Wire Transfer Fee - International (Incoming)	$0
Returned Deposit Fee (International)	$30
Wire Transfer Fee - Domestic (Incoming)	$0
ATM Reimbursement Monthly Limit	N/A

What features and perks does Sea Air Federal Credit Union Flexible Rewards Checking offer?

This account includes the following features:

Fraud monitoring - Sea Air Federal Credit Union Flexible Rewards Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Sea Air Federal Credit Union Flexible Rewards Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.

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