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  Security Service Federal Credit UnionPower Protected Checking

Security Service Federal Credit UnionPower Protected Checking

in Checking Accounts from Security Service Federal Credit Union · ncua

Unaffiliated

Security Service Federal Credit UnionPower Protected Checking

Unaffiliated

in Checking Accounts from Security Service Federal Credit Union · Insured by NCUA

Net Recommendation Score -33

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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 recommend
2 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Monthly Fee $0 - $6
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05% - 0.49%

Security Service Federal Credit UnionPower Protected Checking Review

Security Service Federal Credit UnionPower Protected Checking is offered by Security Service Federal Credit Union, a credit union founded in 1973 and based in San Antonio, TX. Security Service Federal Credit UnionPower Protected Checking is available in 3 states across the USA.

Key Takeaways
  • Higher than average APY. Security Service Federal Credit UnionPower Protected Checking has an annual percentage yield of up to 0.49%, which is higher than the national average interest rate on savings accounts. Note that you must keep a minimum balance of $1.
  • Charges a monthly fee. This account charges a monthly service fee of up to $6.
  • $100 minimum deposit. This is a typical minimum initial deposit, but there are accounts that require a smaller initial deposit or have no minimum.
  • No ATM fees. Security Service Federal Credit UnionPower Protected Checking does not charge fees on ATM transactions within its network but there is a fee of up to $1.50 for out-of-network ATM transactions.
  • Bill pay. Pay your bills to practically anyone in the United States through Security Service Federal Credit Union.
SSFCU Power Protected checking Pros & Cons
Pros Cons
  • Dividend-yielding account
  • Insured by NCUA.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Only available in 3 states.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.
SSFCU Power Protected checking FAQ

Are checking accounts from Security Service Federal Credit Union federally insured?

Yes, your Security Service 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 SSFCU Power Protected checking offer?

SSFCU Power Protected checking offers an APY starting at 0.05% and ranging up to 0.49% (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.

SSFCU Power Protected checking Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.49%

What are the account minimums for SSFCU Power Protected checking?

SSFCU Power Protected checking requires a minimum initial deposit of $100 to open an account.

Security Service Federal Credit UnionPower Protected Checking Minimums
Description
APY Minimum Balance $1
Minimum Combined Balance to Avoid Monthly Fee $100
Minimum Opening Deposit Starting at $100

What fees does SSFCU Power Protected checking charge?

This account charges a monthly service fee of up to $6.

Security Service Federal Credit UnionPower Protected Checking Fees
Description
ATM Fee: In-Network $0
Check Cashing Fee $5
Check Copy $0.25
Check Image Service $0.25
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 0.9%
Monthly Fee $0 - $6
NSF Fee $32.50
Online Bill Pay Fee $0
Overdraft Item Fee $32.50
Overdraft Protection Fee (per transfer) $2
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $32.50
Returned Deposit Fee (International) $32.50
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $61
ATM Fee: Out-of-Network $1.50

Does SSFCU Power Protected checking charge overdraft fees?

Yes, SSFCU Power Protected checking charges a $32.50 fee for every overdraft.

SSFCU Power Protected checking offers overdraft protection at a cost of $2 per transaction.

What features and perks does SSFCU Power Protected checking offer?

This account includes the following features:

  • Fraud monitoring - SSFCU Power Protected 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.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - SSFCU Power Protected checking allows you to manage your money online or with a mobile app.

What is the customer support email for SSFCU Power Protected checking?

The customer support email for SSFCU Power Protected checking is serviceteam@ssfcu.org.

How do people rate the customer service and user experience of SSFCU Power Protected checking?

Overall, SSFCU Power Protected checking is mostly not recommended based on community reviews that rate customer service and user experience.

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Message From Security Service Federal Credit UnionPower Protected Checking

Power Protected Checking includes 24/7 in-depth identity theft protection, dark web and social media monitoring, high interest, mobile phone coverage, and convenient access to your money at 30,000 free ATMs across the country. Power Protected Checking. Protect your phone. Protect your identity. You can’t live without it. We’ve got your back with in-depth monitoring and recovery services.

 

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:30pm
  • Tuesday 9:00am - 5:30pm
  • Wednesday 9:00am - 5:30pm
  • Thursday 9:00am - 5:30pm
  • Friday 9:00am - 5:30pm
  • Saturday 9:00am - 2:00pm

Other Services by Security Service Federal Credit Union

Availability

  Available in 3 states
  • Colorado
  • Texas
  • Utah

Feature Breakdown

APY Minimum Balance $1
Minimum Combined Balance to Avoid Monthly Fee $100
Minimum Opening Deposit Starting at $100
ATM Fee: In-Network $0
Check Copy $0.25
Check Image Service $0.25
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Check Cashing Fee $5
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 0.9%
Monthly Fee $0 - $6
NSF Fee $32.50
Overdraft Item Fee $32.50
Overdraft Protection Fee (per transfer) $2
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $32.50
Returned Deposit Fee (International) $32.50
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $61
ATM Fee: Out-of-Network $1.50
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Interest Bearing Account
  • Mobile Banking
  • Fraud Monitoring
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
APY (Annual Percentage Yield) 0.05% - 0.49%

Security Service Federal Credit UnionPower Protected Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -33, equating to 2.3 on a 5 point rating scale.

-33

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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