Self-Help Credit Union

Checking Accounts


Choose the right Checking Account for you

Self-Help Federal offers a variety of checking accounts designed to make your day-to-day personal finances convenient and affordable. We strive to make account fees reasonable and transparent, and give you options to pay less fees. Remember, we’re member owned so we pass our savings back to you. Choose from these four member-friendly checking solutions.

Benefits of Self-Help Federal Checking Accounts

  • Mobile banking, including check deposit and bill pay
  • Free e-statements
  • Free debit card
  • Surcharge-free ATMs nationwide and access to a national branch network
*Product availability may vary by location.

For an account especially designed for SEIU Illinois Healthcare, and California SEIU United Healthcare Workers West members, click here

Checking Accounts

Access
Checking

Classic
Checking

Benefits
Checking

Growth
Checking

Minimum balance to open and maintain account

$0

$0

$0

$0

Monthly service fee

Free with $300 avg. daily balance on
combined deposits OR direct deposit
(otherwise $3)

Free with $300 avg. daily balance on
combined deposits OR direct deposit
(otherwise $3)

Free with $500 avg. daily balance on
combined deposits
(otherwise $5)

Free with $1,000 avg. daily balance on
combined deposits
(otherwise $7)

Monthly Online & Mobile banking fee

Free with
E-Statements

Free with
E-Statements

Free with
E-Statements

Free with
E-Statements

Mobile Deposit

Available

Available

Available

Available

Visa check card

Approval required

Yes

Yes

Yes

ATM card

Approval required

No

No

Yes

Checks

Not available

Yes

Free 1st box of basic checks at account opening

Up to 2 free boxes per year

Bill pay service

Not available

Not available

Free or $3 without Direct Deposit.

*20 free bill pay items per month, then $1 per item

Free

*20 free bill pay items per month, then $1 per item

Interest-earning

No

No

No

Yes

How to Apply

Existing Members

Existing members can apply for our Checking Accounts visiting one of our branches or by mailing in an application

New Members

Not a member yet? No problem. Visit our "Join Us" page to learn about eligibility and how to join Self-Help Federal Credit Union.