Imagine a world without unnecessary fees. Now imagine a “free checking” account that is legitimately free of unavoidable fees. That’s the benefit of banking with Sioux Falls Federal Credit Union (SFFCU).
SFFCU prides itself on offering its valued members the fee-free checking they deserve. That’s why we keep them to a bare minimum. Take a look at how they stack up compared to the average bank.
The Average Bank
Required Opening Deposit
Minimum Daily Balance Fee
Overdraft Line of Credit Access
Bill Pay Fee
Nationwide Fee-Free ATM Access
Avg. 23,000 locations
Each checking account comes with a free checkcard to be used online, at brick-and-mortar stores and at ATMs nationwide—more than 88,000 of them without fees. There are no monthly or transaction fees for using it, and it’s usable wherever Visa® Debit Cards are accepted.
Your SFFCU check card is equipped with Verified by Visa - a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. To learn more click here.
It’s easy to get your paycheck funds directly into your account. Access your money faster by bypassing a paper paycheck. Just have the routing number and account number from the bottom of your paper checks handy, and you can submit your direct deposit form to your employer.
Why not let us take care of those recurring transactions - and you can just enjoy your paydays.
We can arrange -- through your employer payroll office or by automatic transfer here at the credit union -- to make your loan payments for you. We can also help you save on a regular basis with transfers to regular savings, Christmas club or other special share accounts, your IRA shares, or put money into the kids' accounts.
In addition to saving you the time spent making these payments and deposits yourself, Payroll Deduction never "forgets".
A backup plan is always helpful. That’s why we offer a line of credit specifically for overdrafts so you don’t have to worry about being charged a fee when you accidentally overdo your spending. There’s no cost to add it—you just pay a minimal interest rate when (or if) you use it.
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