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Link Digital Checking

Benefits you want

1/5

Round-Up Savings & Match

With round-up savings, we'll round up your debit card purchases to the nearest dollar, then deposit the change into your savings account. We’ll even match your round-up savings up to $7/month if you meet the basic requirements.

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2/5

Early Direct Deposit

Access your direct-deposited paychecks up to two days early.

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3/5

Free Overdraft Protection

You won’t pay any fees for most NSF incidents or overdraft transfers from a linked account, and you can opt in to expanded overdraft protection at no additional cost. Plus, Link comes with an overdraft allowance of up to $500 (just in case.)

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4/5

No Monthly Service Charge

No monthly service fees, no minimum balance requirement.

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5/5

No ATM Fees

It’s easy (and free) to access cash—even if you go outside our 30,000+ ATM network.

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How to earn your monthly round-up match

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Select your benefits

  • Enroll in eStatements (required).
  • Opt in to round-up savings (required to earn round-up match).
  • Connect Link to a savings account or credit card for free overdraft transfers and/or opt in to Expanded Courtesy Pay for enhanced free overdraft protection.
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Set up automatic monthly deposits

Deposit $250 or more each month through payroll direct deposit or ACH transfers.

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Use your debit/credit card

Use your SELCO debit or credit card to make at least 12 purchases each month (required to earn round-up match). 

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Access free financial advice

With Link, you also have free access to GreenPath's confidential, certified financial counselors. Through 1:1 consultations, they'll help you define your financial goals and build an action plan to reach them. 

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A better banking app

Complete your day-to-day transactions and more—securely from wherever, whenever.

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Mobile wallets and card controls

Add cards to your mobile wallet, turn cards off/on, set spending limits, create transaction alerts, and more.

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Payments and transfers

Easily connect your SELCO and other accounts to securely transfer money.

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Free credit monitoring

See your credit score in real time. You’ll even get personalized feedback on ways to boost your score.

Frequently asked questions

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).