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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
Minimum Balance to Avoid Monthly Fee N/A
ATM Fee: Out-of-Network $1.25
APY 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 offered in 1 state across the USA.

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 of NY 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 charge a monthly maintenance fee.

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.
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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

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 1 state
New York
Availabile in all of New York

Feature Breakdown

Monthly Fee $0
ATM Fee: In-Network $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Paper Statement Fee $2
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
Stop Payment Fee $20
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
Bank Account Features
  • Branch Access
  • Debit Card
  • Fraud Monitoring
  • Fraud Protection
  • Free Bill Pay
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
  • No Monthly Maintenance Fee

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