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  Sea Air Federal Credit Union Flexible Rewards Checking

Sea Air Federal Credit Union Flexible Rewards Checking

in Checking Accounts from Sea Air Federal Credit Union · ncua

Unaffiliated

Sea Air Federal Credit Union Flexible Rewards Checking

Unaffiliated

in Checking Accounts from Sea Air Federal Credit Union · Insured by NCUA

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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0 users don't recommend
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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network N/A
Minimum Balance to Avoid Monthly Fee $0
APY (Annual Percentage Yield) 0.75% - 2.52%

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 2.52%, 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 Service Charge.
  • Small minimum initial deposit. You only need $1 to open an account.
  • Up to $25 in ATM fee reimbursements. This account will reimburse you for ATM fees (see terms and conditions for details).
Sea Air Federal Credit Union flexible rewards checking Pros & Cons
Pros Cons
  • High-interest yield.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • No ATM access to Sea Air Federal Credit Union Flexible Rewards Checking.
  • 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 share owner for each account ownership category. 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 2.52% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep an average beginning day balance of at least $1.

Sea Air Federal Credit Union flexible rewards checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.75% - 2.52%

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 Opening 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
ATM Fee: In-Network $0
ATM Reimbursement Monthly Limit $25
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0
NSF Fee $33
Online Bill Pay Fee $0.75
Overdraft Item Fee $33
Paper Statement Fee $1
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $30

Does Sea Air Federal Credit Union flexible rewards checking charge overdraft fees?

Yes, Sea Air Federal Credit Union flexible rewards checking charges a $33 fee for every overdraft.

What features and perks does Sea Air Federal Credit Union flexible rewards checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any domestic ATM fees up to a monthly maximum of $25.
  • Fraud monitoring - Sea Air Federal Credit Union flexible rewards checking monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Mobile Banking Services - Sea Air Federal Credit Union flexible rewards checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

How do people rate the customer service and user experience of Sea Air Federal Credit Union flexible rewards checking?

Overall, Sea Air Federal Credit Union flexible rewards checking is mostly recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 1 state
California
Availabile in all of California

Feature Breakdown

APY Minimum Balance $1
Minimum Opening Deposit Starting at $1
Minimum Balance to Avoid Monthly Fee $0
ATM Fee: In-Network $0
Early Account Closure $0
Monthly Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Reimbursement Monthly Limit $25
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $33
Online Bill Pay Fee $0.75
Overdraft Item Fee $33
Paper Statement Fee $1
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $33
Wire Transfer Fee - Domestic (Outgoing) $30
Wire Transfer Fee - International (Outgoing) $30
Account Features
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
APY (Annual Percentage Yield) 0.75% - 2.52%

Sea Air Federal Credit Union Flexible Rewards Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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