Personal Checking Accounts & Debit Cards
Why Choose a Scott Credit Union Checking Account?
Scott Credit Union makes everyday banking simple with free checking accounts, SCU Digital Banking, and Mastercard® debit cards serving members throughout Illinois and Missouri.
Checking Account Benefits
- No monthly maintenance fee or minimum balance
- Free Mastercard® debit card with digital wallet compatibility
- Access to 30,000+ surcharge‑free CO‑OP ATMs
- Free digital banking and mobile check deposit
- Built-in security and fraud monitoring protection
Spend Anywhere With Your SCU Mastercard® Debit Card
Your SCU checking account includes a Mastercard® debit card accepted at millions of locations worldwide. Make purchases in-store, online, or with your mobile wallet while enjoying secure features like contactless tap-to-pay and convenient access to your money every day.
Plus, you can get the exclusive Scott Credit Union St. Louis Blues Debit Card with any SCU checking account!
NEW! Contactless Tap to Pay
Mastercard Accepted Worldwide
Pay with Apple Pay, Google Pay, Samsung Pay
30,000+ Surcharge-Free Co-Op ATMs Nationwide
From cash back rewards to simple everyday options and student banking, Scott Credit Union offers checking accounts designed for every stage of life. Compare features, rates, and benefits to find the best checking account for you.
CashBack | eXtreme | Regular | Student |
|
|---|---|---|---|---|
| Maximum Interest Earned (when requirements are met) | No Interest Earned | 0.55% APY1 on balances up to $25,000 | No Interest Earned | No Interest Earned |
| Maximum Interest Earned on balances over $25,000 (when requirements are met) | No Interest Earned | 0.05% APY1 | No Interest Earned | No Interest Earned |
| Interest Earned (when requirements are not met) | No Interest Earned | 0.01% APY1 | No Interest Earned | No Interest Earned |
| Earns CashBack Bonus (when requirements are met)2 | ✔ | ✖ | ✖ | ✖ |
| No Monthly Service Fee | ✔3 | ✔3 | ✔3 | ✔ |
| No Minimum Balance | ✔ | ✔ | ✔ | ✔ |
| Accessible through SCU Online and SCU Mobile | ✔ | ✔ | ✔ | ✔ |
| Free Online Bill Pay | ✔ | ✔ | ✔ | ✔ |
| eAlerts & eStatements | ✔ | ✔ | ✔ | ✔ |
| Free Mobile Deposit | ✔ | ✔ | ✔ | ✔ |
| Overdraft Protection | ✔ | ✔ | ✔ | ✔ |
| Compatible with Apple, Samsung or Google Pay | ✔ | ✔ | ✔ | ✔ |
| Blues Card Creative (Optional) | ✔ | ✔ | ✔ | ✔ |
| Blues Checks (Optional) | ✔ | ✔ | ✔ | n/a |
| Mastercard® Guide to Benefits | ||||
| ID Theft Protection | ✔ | ✔ | ✔ | ✔ |
| Zero Liability | ✔ | ✔ | ✔ | ✔ |
| Contactless Technology | ✔ | ✔ | ✔ | ✔ |
| Mastercard® Global Services | ✔ | ✔ | ✔ | ✔ |
| Priceless Experiences | ✔ | ✔ | ✔ | ✔ |
We may change the interest rate at any time after the account is opened.
1 APY=Annual Percentage Yield.
2 You may earn up to a 1% CashBack Reward on your debit card purchases each month with a maximum reward of up to $10 per month ($120 per year) when requirements are met.
3 $2 paper statement fee applies if not enrolled in eStatements.
CashBack Checking
Best for Cash Back Rewards
CashBack Checking is designed for people who use their debit card regularly and want to earn cash back rewards on everyday purchases. This free checking account* rewards eligible members up to $120 a year** for qualifying debit card purchases.
*$2 paper statement fee applies if not enrolled in eStatements.
**You may earn up to a 1% CashBack Reward on your debit card purchases each month with a maximum reward of up to $10 per month ($120 per year) when requirements are met.
eXtreme Checking
Best for Earning Interest
eXtreme Checking is an interest-earning checking account designed for members who want to earn competitive interest on qualifying balances while keeping everyday access to their money. Eligible members can earn the current advertised APY* by meeting simple monthly account requirements.
*Annual Percentage Yield
Regular Checking
Best for Everyday Banking
Regular Checking is a free checking account designed for members who want simple, everyday banking without monthly maintenance fees or minimum balance requirements. It includes the essential banking tools for everyday spending, bill payments, and direct deposit.
Student Checking
Best for Students & Young Adults
Our student checking account is a free account designed specifically for students and young adults ages 13–22. It includes a free teen checking with debit card feature, mobile banking, and digital tools that make it easy to build smart financial habits and bank on the go.
Plus, parents or guardians can be joint owners on accounts for members under 18.
Ready to Open an SCU Checking Account?
No monthly fees. No minimum balance requirements. Debit card included.
Frequently Asked Questions About SCU Checking Accounts & Debit Cards
To open a Scott Credit Union checking account, you’ll need a valid government-issued photo ID, your Social Security number, and to meet membership eligibility requirements. A minimum savings account deposit may be required to establish your membership.
Yes. Eligible applicants can open a Scott Credit Union checking account online in just a few minutes. Once your account is approved, you can enroll in Digital Banking and begin managing your account online.
Scott Credit Union offers four personal checking account options:
- CashBack Checking for members who want cash back rewards on qualifying debit card purchases.
- eXtreme Checking for members who want to earn competitive interest on qualifying balances.
- Regular Checking for simple, everyday banking.
- Student Checking for students and young adults ages 13–22.
Compare our checking accounts above to find the option that best fits your financial goals.
Yes. Every Scott Credit Union checking account includes a free Mastercard® debit card accepted at millions of merchants worldwide.
Your SCU Mastercard® debit card can be used anywhere Mastercard® is accepted, including in-store, online, and with digital wallets such as Apple Pay®, Google Pay™, and Samsung Pay®. Members also have access to more than 30,000 surcharge-free CO-OP ATMs nationwide.
CashBack Checking rewards qualifying debit card purchases with cash back, while eXtreme Checking allows eligible members to earn competitive interest on qualifying checking balances. The best account depends on how you use your checking account.
No. Scott Credit Union checking accounts do not charge a monthly maintenance fee. A $2 paper statement fee applies if you are not enrolled in eStatements.
No. Scott Credit Union checking accounts have no minimum balance requirement.
Yes. SCU Mastercard® debit cards are compatible with Apple Pay®, Google Pay™, and Samsung Pay® so you can make secure purchases using your mobile device.
SCU Digital Banking lets you check balances, transfer money, deposit checks, pay bills, manage your debit card, enroll in eStatements, receive account alerts, and access your accounts anytime from your computer or mobile device.
Scott Credit Union’s Switch Kit makes moving your direct deposit and recurring payments simple. Follow the step-by-step instructions to transfer your everyday banking with confidence.
Yes. Deposits at Scott Credit Union are federally insured by the National Credit Union Administration (NCUA) up to applicable limits, providing the same level of federal deposit insurance offered by banks through the FDIC.
If your debit card is lost or stolen, contact Scott Credit Union immediately. We can help protect your account, prevent unauthorized transactions, and assist you with replacing your card.
Student Checking is available for students and young adults ages 13–22. Members under age 18 may open an account with a parent or guardian as a joint owner.
Scott Credit Union offers free checking account options, Mastercard® debit cards, Digital Banking, mobile check deposit, access to more than 30,000 surcharge-free CO-OP ATMs, and 23 branches throughout Illinois and Missouri.