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  SEFCU Really Free Checking
SEFCU Really Free Checking
in Checking Accounts from SEFCU of NY
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SEFCU Really Free Checking

Unaffiliated
in Checking Accounts from SEFCU of NY
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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $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 Service Charge.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through SEFCU of NY.
SEFCU checking account Pros & Cons
Pros Cons
  • No monthly fee.
  • Large network of fee free ATMs
  • Insured by NCUA.
  • 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 checking account 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 checking account offer?

SEFCU checking account is not an interest-bearing account.

What are the account minimums for SEFCU checking account?

SEFCU checking account does not require a minimum initial deposit.

SEFCU Really Free Checking Minimums
Description
Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does SEFCU checking account charge?

The good news is that this account does not have a monthly Service Charge.

SEFCU Really Free Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $15
Foreign Transaction Fee (Debit Card) 1.25%
Monthly Fee $0
NSF Fee $28
Online Bill Pay Fee $0
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $2.50
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $10
Wire Transfer Fee - Domestic (Incoming) $0
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

Does SEFCU checking account charge overdraft fees?

Yes, SEFCU checking account charges a $25 fee for every overdraft.

SEFCU checking account offers overdraft protection at a cost of $2.50 per transaction.

What features and perks does SEFCU checking account offer?

This account includes the following features:

  • Fraud monitoring - SEFCU 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 - SEFCU 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.

What is the customer support email for SEFCU checking account?

The customer support email for SEFCU checking account is sefcuhelp@sefcu.com.

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Message From SEFCU of NY

What do we mean by free? Free from per-check charges, monthly service fees and ATM fees. And, of course, free online and mobile app banking! 

No fees. No kidding! Keep your hard-earned money with a free checking account that won’t hit you up for service fees, per-check charges, or other hidden costs. (Of course, some fees are out of our control—like for other banks’ ATMs and any bounced checks.) No maintenance fees or hidden charges. Open a SEFCU Really Free Checking Account today.

Contact

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 $2
Debit Card Replacement Fee $5
Early Account Closure $15
Foreign Transaction Fee (Debit Card) 1.25%
NSF Fee $28
Overdraft Item Fee $25
Overdraft Protection Fee (per transfer) $2.50
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $10
Returned Deposit Fee (International) $10
Stop Payment Fee $10
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
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access

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