Phishing alert: We’ve received reports of SELCO impersonators calling members about unauthorized transactions. As a reminder, SELCO will never contact you requesting sensitive information or to initiate wire, cash, or Zelle transactions. If you receive one of these messages, please hang up immediately.

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Earn More with Link Checking

With earlier access to your paycheck, round up matches that grow your balance, and no monthly balance requirements or fees, Link Checking helps your money go further.

Open a Link Account
Congratulations! You earned a $7 match this month.

Turn everyday spending into more savings

Link Checking has no monthly fees and no minimum balance requirement. You can earn monthly bonuses when you opt in to round-up savings and get peace of mind with free overdraft protection. Plus, track your round-up match, monitor your credit score, and manage your account with our secure and easy-to-use app.

Everything you need built into one checking account

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Round-Up Savings & Match

Earn free money while you shop. We'll round up your change and match it—up to $7/month1.

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Free Overdraft Protection

Get added peace of mind with up to $500 in overdraft protection, at no extra cost.

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Get Paid Early

Get your paycheck up to two days early2, so you can plan your budget, pay a bill, or use your money when you need it.

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No Monthly Service Charge

Keep more of your money while not having to worry about monthly fees or a minimum balance.

FAQs about Link Checking

Yes. With Link, there’s no monthly account fee, and SELCO will never charge you for overdraft transfers, non-sufficient funds (NSF) incidents, or for using an out-of-network ATM (ATM vendor fees may apply). Note: Expanded Courtesy Pay is an additional, optional benefit for those who qualify and opt in.

You can get paid two days early when you have your paycheck or other ACH directly deposited to your Link Checking account, you’ll have access to your money up to two days early. While exact timing depends on your employer, government agency, or payer of the direct deposit, you’ll have access to your funds as soon as you see your deposit in digital banking—no waiting required.

To earn your round-up match money (up to $7/month) with Linking Checking you need to: 

  1. Enroll in eStatements.
  2. Opt in to round-up savings with your Cultivate High-Yield Savings account. 
  3. Deposit at least $250 through payroll direct deposit or recurring ACH transfers.
  4. Make at least 12 purchases with your SELCO debit/credit card.

Yes. Link Checking comes with our standard overdraft protection (Courtesy Pay), which covers overdrafts from:

  • Checks and other transactions made to your checking account, such as ACH transfers.
  • Automatic recurring payments using your SELCO debit card.

And with Link, Courtesy Pay fees are waived. There are also no fees for overdraft transfers or most NSF incidents with a linked account. Plus, you get up to $500 in overdraft allowance, just in case.

Those who qualify can get even more protection at no additional cost by opting in to expanded coverage (Expanded Courtesy Pay), which covers overdrafts from ATMs and one-time SELCO debit card transactions.

Learn more about how overdraft transfers, Courtesy Pay, and Expanded Courtesy Pay work in the Courtesy Pay FAQ and Courtesy Pay Overview.

You can deposit your paycheck directly into your checking account by updating your direct deposit information with your employer. 

  • Update Your Payroll Portal: Log in to your company’s HR site and swap in your new routing and account numbers; or
  • Download Our Form: Get a direct deposit form to hand to your payroll department; or
  • Contact Your Government Agency: See your government agency for tips on how to update direct deposit information.

 

Stop paying fees for everyday banking

Link Checking has no monthly fees, no minimum balance, and overdraft protection—so you can keep more of your money where it belongs. Open your account and start simplifying your finances today.

Open Your Link Account
Access funds fee-free: 7/Eleven, CircleK, Costco Wholesale

Access funds at 30,000+ free ATMs

With more than 30,000 free ATMs nationwide, you can access your funds wherever you are, with no out-of-network fees. And you can always visit a Costco, 7-Eleven, or Circle K for a fee-free ATM.

Image of a man relaxing with a Greenpath icon in the top right corner.

Get free, confidential financial advice

With free access to GreenPath's certified financial counselors, you can build an action plan to reach your financial goals. GreenPath can help negotiate lower rates with your creditors, consolidate your debt into a single payment, and provide regular check-ins to ensure your repayment plan is on track.

Earn even more with your money

Pair Link Checking with Cultivate High-Yield Savings to unlock bonus checking perks and faster savings. Watch your balance grow with 5.00% APY3 on your first $999 saved. It’s the ultimate banking duo designed to maximize every dollar. 

Discover Link & Cultivate

1 Earn the Round-Up Savings match each month by depositing at least $250 total through payroll direct deposits or recurring ACH transfers from another source and making at least 12 purchases with your SELCO debit or credit card. The match will be provided on the first day of the following month. Cultivate Annual Percentage Yield is based on daily balance. See: SELCO Savings Rate and Fee Schedule. Fees may reduce earnings.

2 Early Deposit Access is dependent on the timing of the payor’s ACH instructions. Early access ACH deposits are provisional credits and may be reversed if final payment is not received.

3 Check our Savings Rate and Fee Schedule for current rates.