Personal Checking

Both checks and a debit card are available with our personal checking account, which comes with these features:

  • No minimum deposit to open an account
  • Up to 6 free ATM withdrawals per month; unlimited in-branch withdrawals
  • Overdraft protection available
  • Low monthly fee of $5 (see below for ways to waive the fee)

Personal checking account is for individuals. Account options for small businesses and nonprofit organizations are available on our business section.


  • Competitive interest rates
  • Deposits insured up to $250,000 by NCUA
  • Surcharge-free access with the Self-Help Credit Union debit card (when using participating ATMs)
  • Online banking and Bill Pay
  • Mobile banking (with check deposit) and Bill Pay
  • Free starter checks (up to 12) at account opening
  • Do-it-yourself check reorders

How to Avoid the $5 Monthly Fee

  • Be 65 years of age or older
  • Be 24 years of age or younger
  • Have monthly combined direct deposit(s) of $500 or more into one or more Self-Help Credit Union accounts
  • Maintain an average daily balance of $2,500 or more across all of your Self-Help Credit Union accounts (checking, savings, certificates, etc.)

How to Apply

Existing Members

New Members

Not a member yet? No problem. Visit our Join Us page to learn about eligibility and how to become a member of Self-Help Credit Union.