Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
Monthly Service Fee
STCU Checking Accounts Review
Key Takeaways
- Higher than average APY. STCU Checking Accounts has an annual percentage yield of up to 0.20%, which is higher than the national average interest rate on savings accounts.
- $0 monthly account fees available. This account charges a monthly fee of up to $5.
- No minimum initial deposit. There is no minimum balance required to open an account online.
STCU Checking Accounts Pros & Cons
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STCU Checking Accounts FAQ
Are checking accounts from STCU federally insured?
What APY does STCU Checking Accounts offer?
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.05% - 0.20% |
What are the account minimums for STCU Checking Accounts?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0 - $2,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does STCU Checking Accounts charge?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does STCU Checking Accounts charge overdraft fees?
Yes, STCU Checking Accounts charges a $29 fee for every overdraft.What features and perks does STCU Checking Accounts offer?
- Mobile Banking Services - STCU Checking Accounts allows you to manage your money online or with a mobile app.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for STCU Checking Accounts?
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