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  SECU of Maryland Premier Interest Checking

SECU of Maryland Premier Interest Checking

in Checking Accounts from SECU of Maryland

Unaffiliated

SECU of Maryland Premier Interest Checking

Unaffiliated

in Checking Accounts from SECU of Maryland

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Highlights
Monthly Fee $0 - $9
ATM Fee: Out-of-Network $0
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.1%

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
  • 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, but there are ways to waive the fee.
  • 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.
  • Hard credit pull. SECU of Maryland may require a hard pull on your credit report to open a checking account.
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.
  • Deposits are insured by the NCUA (up to $250K).
  • 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 checking account Account Minimums
Description Amount
Minimum Opening Deposit $25
APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Service Fee $10,000

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
ATM Fee: In-Network $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $9
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Paper Statement Fee $5
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
ATM Fee: Out-of-Network $0

Does SECU checking account charge overdraft fees?

Yes, SECU checking account charges a $30 fee for every overdraft fee.

SECU checking account offers 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.
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Contact

  • Headquarters
  •   971 Corporate Boulevard
    Linthicum, MD 21090
  •   Visit Site

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

APY Minimum Balance $0.01
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Opening Deposit Starting at $25
ATM Fee: In-Network $0
Early Account Closure $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
ATM Fee: Out-of-Network $0
Check Copy $5
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $9
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $30
Paper Statement Fee $5
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Outgoing) $40
Bank 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
  • NCUA Member
  • Branch Access
APY (Annual Percentage Yield) 0.1%

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