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  SEFCU Really Free Checking

SEFCU Really Free Checking

in Checking Accounts from SEFCU of NY

Unaffiliated

SEFCU Really Free Checking

Unaffiliated

in Checking Accounts from SEFCU of NY

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Highlights
Highlights
Monthly Fee $0
ATM Fee: Out-of-Network $1.25
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0%

SEFCU Really Free Checking Review

SEFCU Really Free Checking is offered by SEFCU of NY, a credit union founded in 1934 and based in Albany, NY. SEFCU Really Free Checking is available in 1 state across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, SEFCU Really Free Checking does not pay interest.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • Free bill pay. Pay your bills to practically anyone in the United States through SEFCU of NY.
  • Hard credit pull. SEFCU of NY may require a hard pull on your credit report to open a checking account.
SEFCU Really Free Checking Pros & Cons
Pros Cons
  • No monthly fee.
  • Large network of fee free ATMs
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic wire transfers.
  • Non interest bearing account.
  • No signup bonus.
  • Does not earn interest
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
SEFCU Really Free Checking FAQ

Are checking accounts from SEFCU of NY federally insured?

No, your SEFCU of NY checking accounts are not insured by a federal insurance agency. This means that if SEFCU of NY 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 SEFCU Really Free Checking offer?

SEFCU Really Free Checking is not an interest-bearing account.

What are the account minimums for SEFCU Really Free Checking?

SEFCU Really Free Checking does not require a minimum initial deposit.

SEFCU Really Free Checking Account Minimums
Description Amount
Minimum Initial Deposit $0

What fees does SEFCU Really Free Checking charge?

The good news is that this account does not have a monthly service charge.

SEFCU Really Free Checking Fees
Description
Monthly Fee $0
Paper Statement Fee $2
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $1.25
NSF Fee $25
Overdraft Protection Fee (per transfer) $2.50
Overdraft Item Fee $25
Early Account Closure $15
Returned Deposit Fee (Domestic) $25
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $20
Check Image Service N/A
Check Copy $5
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $22.50
Wire Transfer Fee - International (Outgoing) $35
Wire Transfer Fee - International (Incoming) $10
Returned Deposit Fee (International) $25
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit N/A

What features and perks does SEFCU Really Free Checking offer?

This account includes the following features:

  • Fraud monitoring - SEFCU Really Free Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - SEFCU Really Free Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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.

Contact

  • Headquarters
  •   575 Broadway
    Albany, NY 12207
  •   Visit Site

Hours of Operation

  • Sunday Closed
  • Monday 8:00am - 6:00pm
  • Tuesday 8:00am - 6:00pm
  • Wednesday 8:00am - 6:00pm
  • Thursday 8:00am - 6:00pm
  • Friday 8:00am - 6:00pm
  • Saturday 8:00am - 2:00pm

About SEFCU Really Free Checking

Availability

  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Check Copy $5
Debit Card Replacement Fee $5
Early Account Closure $15
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $25
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $2.50
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $25
Returned Deposit Fee (International) $25
Stop Payment Fee $20
Wire Transfer Fee - Domestic (Outgoing) $22.50
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $35
ATM Fee: Out-of-Network $1.25
Bank Account Features
  • Branch Access
  • NCUA Member
  • Debit Card
  • Free Bill Pay
  • Fraud Protection
  • Fraud Monitoring
  • Mobile Banking
  • Nationwide ATM Network
  • No Monthly Maintenance Fee
  • Mobile Check Deposit

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