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  SECU of Maryland Premier Interest Checking
SECU of Maryland Premier Interest Checking
in Checking Accounts from SECU of Maryland
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SECU of Maryland Premier Interest Checking

Unaffiliated
in Checking Accounts from SECU of Maryland
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.1%
Monthly Fee $0 - $9
Minimum Balance to Avoid Monthly Fee N/A

SECU of Maryland Premier Interest Checking Review

SECU of Maryland Premier Interest Checking is offered by SECU of Maryland, a credit union founded in 1951 and based in Linthicum, MD. SECU of Maryland Premier Interest Checking is available in 1 state across the USA.

Key Takeaways

  • Bonus offer. Open a new account and you can get
  • Low APY. The maximum annual percentage yield for this account is only 0.1%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $9.
  • No ATM fees. SECU of Maryland Premier Interest Checking does not charge fees on ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through SECU of Maryland.

SECU checking account Pros & Cons

Pros Cons
  • No ATM fees
  • Monthly fee can be waived. Options include direct deposit, online statements, and Active Bill Pay OR $10,000 average monthly combined balance.
  • Interest-yielding account.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • Low APY with monthly maintenance fee if requirements are not met.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.

SECU checking account FAQ

Are checking accounts from SECU of Maryland federally insured?

No, your SECU of Maryland checking accounts are not insured by a federal insurance agency. This means that if SECU of Maryland were to fall into financial difficulties, your deposits are not covered by a government-backed insurance fund like the FDIC or NCUSIF.

What APY does SECU checking account offer?

SECU of Maryland Premier Interest Checking Rates & Terms
Description
APY (Annual Percentage Yield) 0.1%

SECU checking account offers an APY of 0.1% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $0.01.

What are the account minimums for SECU checking account?

SECU checking account requires a minimum initial deposit of $25 to open an account.

SECU of Maryland Premier Interest Checking Minimums
Description
Minimum Opening Deposit Starting at $25
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Balance to Earn APY $0.01

What fees does SECU checking account charge?

This account charges a monthly service fee of up to $9.

SECU of Maryland Premier Interest Checking Fees
Description
Monthly Fee $0 - $9
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $40
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $0

Does SECU checking account charge overdraft fees?

Yes, SECU checking account charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $30 per transaction.

What features and perks does SECU checking account offer?

This account includes the following features:

  • Fraud monitoring - SECU checking account 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.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - SECU checking account 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.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for SECU checking account?

The customer support email for SECU checking account is secucommunications@secumd.com.

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Message From SECU checking account

We’re making checking simple by converting all checking accounts held by our members into one program, the new SECU Total™ Checking & Rewards. It’s an all-in-one checking account with: No monthly maintenance fees, One order of free checks a year, Easy virtual banking, 50,000+ Free ATMs nationwide, And all the rewards.

Checking that grows with you. As you grow, so do your financial wellness needs. That’s why SECU Total ™ Checking has four different Rewards Levels that reward you based on your account activity and participation—no matter where you are in life.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 7:00pm
  • Tuesday 8:00am - 7:00pm
  • Wednesday 8:00am - 7:00pm
  • Thursday 8:00am - 7:00pm
  • Friday 8:00am - 7:00pm
  • Saturday 9:00am - 1:00pm

About SECU of Maryland Premier Interest Checking

Availability

  Available in 1 state
Maryland
Availabile in all of Maryland

Feature Breakdown

Minimum Opening Deposit Starting at $25
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Balance to Earn APY $0.01
Monthly Fee $0 - $9
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $40
Paper Statement Fee $5
Online Bill Pay Fee $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.1%

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