Link Digital Checking

With Link, there’s no monthly account fee, and SELCO will never charge you for overdraft transfers, 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.

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 transactions.
• 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.

To earn your round-up match reward (up to $7/month): 

1. Enroll in eStatements.
2. Opt in to round-up savings. 
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.

You can deposit your paycheck directly into your checking account by updating your direct deposit information with your employer (feel free to use our direct deposit form).