Last Updated: 01/21/2026
Security Service FCU Power Protected Checking
Unaffiliated
Last Updated: 01/21/2026
Not enough votes for recommendation
Rating not yet determined4 total votes
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05% - 0.79%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $6(Verified 01/21/2026)
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Security Service FCU Power Protected Checking Review
The Security Service FCU Power Protected Checking is offered by Security Service Federal Credit Union, a credit union founded in 1973 and based in San Antonio, TX. SSFCU Power Protected checking is available in 3 states.
Key Takeaways
- Higher than average APY. Security Service FCU Power Protected Checking has an annual percentage yield of up to 0.79%, 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 fee of up to $6.
- $100 minimum opening deposit. This is a typical minimum initial deposit.
- No ATM fees. Security Service FCU Power Protected Checking does not charge fees on ATM transactions within its network but there is a fee of $1.5 for out-of-network ATM transactions .
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Security Service Federal Credit Union mobile or online banking.
SSFCU Power Protected checking Pros & Cons
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SSFCU Power Protected checking FAQ
Are checking accounts from Security Service Federal Credit Union federally insured?
Yes, your 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 0.79% (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.
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 0.79% |
What are the account minimums for SSFCU Power Protected checking?
SSFCU Power Protected checking requires a minimum initial deposit of $100.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance Fee | Starting at $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does SSFCU Power Protected checking charge?
This account charges a monthly maintenance fee each statement cycle of up to $6.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $6 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $3 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $1.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $32.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $32.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $32.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Image Service | Starting at $0.25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $0.25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0.9% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $61 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $32.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does SSFCU Power Protected checking charge overdraft fees?
Yes, SSFCU Power Protected checking charges a $32.5 fee for every overdraft.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.
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Message from SSFCU Power Protected checking
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
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-50
-1000+100
No one recommends
Everyone recommends
Security Service FCU Power Protected Checking Community Reviews
Would you recommend Security Service FCU Power Protected Checking to your friends?
U
Anonymous
Feb 2, 2022
May or may not recommend
“No monthly account fee and free statements.”
I’ve been banking with SSFCU for 10 years and they tell you “No monthly account fee and free statements.” I came to find out today that they charge a monthly fee of $6.00 per month for a “Power Protection Account Fee”. They do this without you’re consent, then tell you it’s added to your monthly statement after (pay attention). They give ...Show More
MM
Monica M.
Mar 31, 2021
May or may not recommend
This bank gave out my financial information to a relative without my consent. During the pandemic while my city was experiencing the highest infection rates in the US they charged me overdraft fees for a .99 charge. I was lost my phone and it took me 3 months to get back into my locked email and by then they had closed my account. Why would a bank continue to charge ...Show More
Cornelius F.
Dec 22, 2017
May or may not recommend
I've been with this credit union for over 20 years. I've been able to resolve most problems I've had with them by contacting customer service. I've dealt with banks, and I believe credit unions are easier to work with.
U
Anonymous
Aug 2, 2015
May or may not recommend
This is a big credit union with almost a million members and $8 billion in assets. There is no minimum to open an account and there are no monthly fees. NSF fees are $27.50 which is a little below average.
Showing 4 of 4 reviews
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