SELCO branches and contact centers will be closed Monday, May 25 in observance of Memorial Day. Account access and support will still be available through digital banking and our virtual phone assistant.

Checking Accounts

Link Checking

A digital-first account that matches up to $7/month on your round-up savings when you meet basic requirements.

Select Checking

A full-featured, traditional account perfect for those who want checks, mailed statements, or an interest-bearing checking option.

Elevate Checking

A credit-builder account to help develop strong financial habits on the way to full-service checking.

Everyday benefits that matter

1/5

Early Direct Deposit

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

2/5

No-Fee ATMs

Access cash at 30,000+ free ATMs across the US. 

3/5

Overdraft Protection

Prevent overdrafts by linking your checking account to a savings account or credit card.

4/5

Free Financial Coaching

Connect with a certified financial counselor for confidential, 1:1 financial guidance.

5/5

No Minimum Balance

You won't be penalized if your account dips below a certain amount.

Compare checking accounts

Most Popular

  • Monthly service charge

    None

  • Round-up savings option on card purchases

    Yes

  • Earn up to $7/month in round-up matches

    Yes

  • Interest-bearing option

    No

  • Printed statements available

    No

  • Paper checks available

    No

  • Non-sufficient funds fee

    None

  • Automatic overdraft transfer fee

    No

  • Courtesy pay fee

    None

  • Out-of-network ATM fee

    None

Traditional

  • Monthly service charge

    None

  • Round-up savings option on card purchases

    No

  • Earn up to $7/month in round-up matches

    No

  • Interest-bearing option

    $5 monthly fee; waived w/$500 min. balance

  • Printed statements available

    Yes

  • Paper checks available

    Yes

  • Non-sufficient funds fee

    $25 per occurrence

  • Automatic overdraft transfer fee

    $3 per occurrence

  • Courtesy pay fee

    $25 per occurrence

  • Out-of-network ATM fee

    $1 per use

Credit Builder

  • Monthly service charge

    None

  • Round-up savings option on card purchases

    No

  • Earn up to $7/month in round-up matches

    No

  • Interest-bearing option

    No

  • Printed statements available

    Yes

  • Paper checks available

    Yes

  • Non-sufficient funds fee

    None

  • Automatic overdraft transfer fee

    None

  • Courtesy pay fee

    $10 monthly for optional coverage

  • Out-of-network ATM fee

    $1 per use

SELCO app photo with checking, cultivate savings, and credit score

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.

 I've been a SELCO member for 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. 
— Cheyne Smith, member since 2017