Features at a glance
- Up to 0.30% APY on balances up to $25,000 when minimum requirements are met1
- No monthly service fee
- No minimum balance requirements
- ATM Rebates up to $10/month when minimum requirements are met2
- Easy access to your accounts through SCU Online and SCU Mobile
- Free Visa debit card with account opening
- Overdraft Protection option
- eAlerts & eStatements
- Free Online Bill Pay
- Free Mobile Deposit3
Our Extreme Checking Account gives you the ability to have a checking account with no monthly fee plus earn interest when the minimum requirements are met! Earn 0.30% APY on your Extreme Checking balances up to $25,000 when you meet these simple requirements:
- Sign up to receive eStatements instead of paper statements.
- Have 12 debit card transactions posted and cleared by the end of the last business day each month.
Even if you don’t meet the minimum requirements, your Extreme Checking account will still function with no monthly fee and pays 0.01% APY!
What you get with an Extreme Checking Account at Scott Credit Union
Earn more on your money
Make your money work for you just by using your debit card and saving trees with electronic statements. When you meet the minimum monthly requirements, Extreme Checking will allow you to earn up to 0.30% APY1 on the first $25,000 in your account!
No monthly maintenance fees
We don’t charge a monthly or annual maintenance fee with Extreme Checking like most of the big banks. Fees such as insufficient funds and returned checks do still apply, but we work to keep them low. View our fee schedule here.
Take your account mobile
Our convenient and free SCU Mobile app allows you to check balances, deposit checks and make transfers all while you’re on the go! Simply search for us in both the Apple App Store & Google Play Store or visit our SCU Mobile page for more details.
Stay on top of everything with eAlerts
eAlerts are free to use and allow you to have an email or text message sent to you when certain events occur in your accounts.4 You can set eAlerts to notify you when your balance falls below a certain amount, a large purchase or ATM withdrawal is made, or even anytime your account is accessed via SCU Online. You can add and remove eAlerts at any time through the SCU Online navigation menu. Learn more about eAlerts.
Protect yourself from overdraft with SCU Ready Reserve
Scott Credit Union’s Ready Reserve Account is a line of credit that provides a flexible cash reserve. It can help you avoid the potential embarrassment of a returned check and costly overdraft charges. Learn more about SCU Ready Reserve.
10.30% Annual Percentage Yield (APY) paid on balances up to $25,000, and 0.05% APY paid on all amounts above $25,000 each cycle the minimum requirements are met. If you do not meet the requirements per qualification cycle, your account will still function with no monthly fee and with your balance earning 0.01% APY; however, it will not receive ATM fee rebates for that time period. Rates as of January 4, 2021. We may change the interest rate at any time after the account is opened. Available to personal accounts only.
2ATM fee rebates up to $10 per cycle on fees assessed in Extreme Checking account only, if requirements are met.
3Mobile Deposit is not available to all members due to restrictions based on each member’s individual account history. If you have any questions about mobile deposit eligibility please contact our Member Contact Center at 800-888-4728.
4Message and data rates from your carrier may apply.