Checking Accounts
Choose the checking account right for you.
Select Checking
A free, no-hassle traditional checking account with 24/7 account access.
- No monthly fees.
- No balance requirements.
- Optional upgrade to Select with Interest.
- Free digital banking, debit cards, and optional Courtesy Pay overdraft protection.
Link Digital Checking
A connected account with rewards for banking digitally.
- Earn dollar for dollar matches on your round-up savings up to $7/month.
- Free overdraft protection, financial coaching, and no out-of-network ATM fees.
Elevate Checking
A credit-builder account to help you establish or strengthen your financial foundation.
- Free one-on-one financial coaching and robust financial education tools.
- Safeguards against overdrafts and NSF fees while you build healthy habits.
- Graduate to Select or Link in as few as six months.
No-Fee ATMs
Access your cash at 30,000+ free ATMs across the US.
Mobile Deposit
Skip the branch visit and deposit checks with your smartphone.
Card Controls
Turn your cards off and on, create alerts, add travel notices and more, all in digital banking.
Overdraft Protection
Prevent overdrafts by linking your checking account to a savings account or credit card.
Switch to SELCO (the easy way)
Ready to switch to SELCO from another institution? ClickSWITCH removes the hassle. Update your direct deposit, automatic payments, and subscription account information in just a few steps.
I've been a SELCO member for four years, and they still continue to impress! The employees are always friendly and treat you more like family than an account holder. I’ll never go anywhere else.
Checking accounts at a glance
| Features | Select Checking | Link Digital Checking | Elevate Checking |
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| Built for | Those looking for a no-hassle traditional checking account. | Those looking for a digitally-optimized account that pays them back. | Those looking to build credit and strong financial habits on the way to a full-service checking account. |
| Rewards |
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Earn matches on your round-up savings up to $7/month. |
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| Minimum opening balance | None | None | None |
| Minimum required balance* | None | None | None |
| Monthly service charge | None for Select. $5 for Select with Interest if balance drops below $500. | None | None for basic account. $10 for optional Elevate Courtesy Pay service. |
| Early Direct Deposit Access** |
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| Round-up savings option |
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| Free financial coaching |
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| Earns interest | Available |
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| eStatements | Available | Required | Available |
| Transaction alerts |
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| Card controls |
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| Mobile deposit |
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| Mobile wallets |
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| 30,000+ free ATMs |
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| Free credit reports |
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| Savings goal tool |
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| Spending analysis |
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| Find out more | Open an Account Learn More | Open an Account Learn More | Contact Us Learn More |
| Account Type | Built for | Rewards | Minimum opening balance | Minimum required balance* | Monthly service charge | Early Direct Deposit Access** | Round-up savings option | Free financial coaching | Earns interest | eStatements | Transaction alerts | Card controls | Mobile deposit | Mobile wallets | 30,000+ free ATMs | Free credit reports | Savings goal tool | Spending analysis |
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| Select Checking | Those looking for a no-hassle traditional checking account. |
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None | None | None for Select. $5 for Select with Interest if balance drops below $500. |
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Available | Available |
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| Link Digital Checking | Those looking for a digitally-optimized account that pays them back. | Earn matches on your round-up savings up to $7/month. | None | None | None |
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| Elevate Checking | Those looking to build credit and strong financial habits on the way to a full-service checking account. |
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None | None | None for basic account. $10 for optional Elevate Courtesy Pay service. |
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Available |
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*There is no minimum balance required to keep a checking account open. However, members must have a SELCO Savings Account - which does carry a $5 minimum balance requirement - open in order to open a checking account.
**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.
Resources
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