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Online Banking


Experience the benefits of a checking account with Secured Advantage.

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When we say free checking, we mean it.

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.

*Other fees such as NSF (Non-sufficient funds) fees, sustained NSF fees, Stop Payment fees, etc. may apply. See fee schedule for details. Credit union rules and regulations apply. †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.

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.


Manage your finances and protect yourself from fraud with the “Cards” feature within your mobile banking app by controlling how, when and where your Secured Advantage debit cards are used. Cards can help you establish or stick to a budget. It even comes with parental control for your children, setting threshold limits, merchant categories, location and on/off controls. Just log into your account on the Secured Advantage app and then click on “Cards” to access this feature.

ApplePay and GooglePay

You can use your Secured Advantage debit or credit card with Apple Pay AND Google 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.


We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

Checking Interest Form

Fraudulent Use of Debit Card or ATM Card

For emergencies, please call us at 800.472.3272
*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.