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).
Open an AccountSFFCU 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.
| Features | The Average Bank | SFFCU |
|---|---|---|
| Required Opening Deposit | $100 | $0 |
| Minimum Daily Balance Fee | $5.95/month | $0 |
| Overdraft Line of Credit Access | $3/transfer | $0/transfer |
| Bill Pay Fee | $8/month | $0 |
| Nationwide Fee-Free ATM Access | Avg. 23,000 locations | 88,000+ 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.
Lost or Stolen CardFor member service or to report a lost or stolen card call 605.334.2471 or 800.568.5711.
After business hours, call 800.236.2442.
There's no need to hustle over to a branch to get your basic banking needs taken care of. Here's the array of things you can get done in our online banking platform or the SFFCU mobile app:
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.
Payroll DeductionWhy 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.
There’s nothing like earning a little extra dough for doing next to nothing! Your SFFCU checking account can also earn dividends—it’s one of the many benefits of being a credit union member.
**Standard text/data rates may apply.
Visa® Credit Cards are issued by Sioux Falls Federal Credit Union, Member NCUA. Pursuant to a license by Visa U.S.A. Inc.
