When we say free checking, we mean it.

A man holding a phone

At Secured Advantage Federal Credit Union, our free checking account has no monthly maintenance fees and no minimum balance requirement.

If high fees are driving you away from your big bank… early account closure fee, redeeming rewards points fee, staff assisted withdraw fees… you get the picture. We don’t charge any of these fees like the other banks do.

At Secured Advantage, we aim to help our members get ahead. And as part of a network of nearly 30,000 ATMs and 5,600 shared branch locations, you have more direct, surcharge-free* access to your money than most traditional banks. Our members enjoy free e-statements, unlimited check writing privileges and monthly dividends, no matter your balance.

You can also manage your free checking account from just about anywhere with:

Virtual Branch

All of your accounts are accessible via our secure, 24-hour online banking service. Get information about your balances and transactions, make transfers between accounts, contact us and pay your bills online.

Mobile Banking

With the Secured Advantage mobile app, you can check balances, transfer money and even remote deposit checks all from your phone.

get it on google playdownload on the app store

Verifast™ Palm Authentication

Verifast™ Branch makes account authentication quick and easy while reducing risk and providing enhanced speed and efficiency in the branch.

You can keep your account security in the palm of your hand by signing up for Verifast™ Branch in our branch! Stop by and sign up today.

Apple Pay

You can use your Secured Advantage debit or credit card with Apple Pay, allowing you to make secure in-store purchases with the simple touch of a finger.

Courtesy Pay

Available on eligible accounts, Courtesy Pay is a service designed to help prevent insufficient funds items being returned or declined. It allows us to pay an item presented for payment against your checking account even if it causes the account to be overdrawn. There is no fee for having Courtesy Pay unless you use it.


Manage your finances and protect yourself from fraud with this free mobile app by controlling how, when and where your Secured Advantage debit cards are used. CardValet can help you establish or stick to a budget. It even comes with parental controls for your children, setting threshold limits, merchant categories, location and on/off controls.

Person-to-Person Payments.

No need to write a check or visit an ATM. With Popmoney®, you can send and receive money to or from just about anyone via a mobile number, email address or routing and account information.

Let’s open your free checking account today!

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Why do people choose Secured Advantage?

*Surcharge-free transactions are available for debit and ATM cardholders at nearly 30,000 ATMs in the U.S. and Canada that are part of the CO-OP® ATM Network.

Fraudulent Use of Debit Card or ATM Card

For emergencies, please call us at 800.472.3272