Checking & Spending

Freedom to do your own thing, easy to use for everyday needs
Open account
Free checking options—always
Get cash at more than 30,000 free Co-op ATMs
Use Zelle® to instantly pay people in the USA.
Earn up to 20% cashback—without a credit card—through CashBack+
Access is everything

Thousands of fee-free ATMs. All the Digital Banking tools you could want. Even paper checks (if you've heard of those). It's so easy to manage and use your money with Standard Credit Union spending accounts.

Checking on your next spending account? You'll find it at Standard Credit Union. 

No need to search anymore. This is where you want to be. And whichever account you choose, there are some shared features you'll enjoy. 

  • Automatically access 30,000 fee-free ATMs nationwide—or use Loyalty+ member rewards for unlimited free worldwide ATM fees reimbursed up to $5 each
  • Use your Visa debit card internationally, without foreign transaction fees 
  • Mobile wallet compatibility is guaranteed—download your debit card with one click and add to Apple Pay, Google Pay and Samsung Pay
  • Speaking of, your debit card can be issued instantly at any of our branches if you don't want to wait for home delivery
  • You work hard for your paycheck, so receive it up to two days early with direct deposit
  • Still enjoy writing checks? Get a free first box of Standard Credit Union logo checks as a new member and become an Ambassador to receive unlimited free checks of any style
All of our checking (spending) accounts include:
  • No monthly service fees
  • No minimum balance requirements
  • No minimum opening balance requirements
  • Free online banking, bill pay and eStatements
  • No NSF fees
No products match all of the provided filter criteria.
Everyday Spending Account

Totally free and totally flexible. Manage your money the way you want without the hassle. 

  • Keep any balance in your account—there's no minimum requirement
  • We eliminate any monthly fees, too
  • You can easily set up direct deposit for your paycheck, but you're not required
High Yield Spending Account*

Go on, you've earned it! Now make your money work for you. 

  • Balances up to $100,000 earn interest at a great rate 
  • All you need to do every month is direct deposit at least $5,000 into your account and spend at least $1,000 combined with your debit and credit cards
Student Spending

You're studying at SCU University. You deserve a free checking account that's makes the grade—no fees for anything and opportunities to earn cashback! 

Teen Spending

Teenage years are the perfect time to learn money management. Start with a free spending account that pays high interest, too!

Bank On Checking

If you've never had a checking account or you struggled to keep one open, Bank On Checking from Standard Credit Union is for you. 

  • Free checking so you can manage money your way 
  • Meets the national Bank On standards making sure everyone has access to a safe and affordable checking account
Let's do this
Open account
Open account

Managing your money is easier than ever with Standard Credit Union's checking accounts. Contact us to open an account.

Spend more time doing what you want, and less time managing your money.

4.6 app rating
1 / 6
Manage your accounts
  • View your account balances and transactions
  • Deposit checks
  • View and store eStatements and other documents
  • Open another account, apply for a loan or credit card and check the application status
  • Renew Certificates or choose different terms and options
Manage your Standard Credit Union accounts anytime
Redeem rewards
  • Earn gift cards while boosting your financial IQ with Zogo in Digital Banking
  • Check your Loyalty+ rewards status
  • Generate your unique promo code to refer friends (you'll each get a cash bonus!)
  • Get cash bonuses when you buy gift cards (for yourself or others) through Digital Banking
Earn cashback and donate to causes
Manage your cards
  • Instant digital card
  • Lock and unlock your debit and credit cards
  • Set up text alerts to monitor transactions
  • Set spending limits
  • Submit a travel notification so we don't block your cards
  • View and redeem credit card rewards
Move money
  • Transfer funds between your accounts, other members and your other (external) banks
  • Make a payment to your Standard Credit Union loans and credit cards
  • Automate your loan and credit card payments
  • Pay bills
  • Send money to anyone with a mobile phone or email address through Zelle®
  • Send and receive domestic and international wires
Stay secure
  • Touch and face ID for personalized protection
  • Go paperless with important documents and statements to keep them out of the mail
  • Use secure Message for encrypted communications and to send and receive documents
  • Manage your user information: Address, phone, email, Login ID and password
  • Set security alerts
Enjoy enhanced security to protect your accounts
Download our Digital Banking app for your phone
Download on the App Store
Get it on Google Play

Our members and their stories matter most.

Banking beyond the branch
SCU continues to provide great service even though I moved out of the area. The website has everything I need to do my banking, and the satellite locations have been great when I need to go in person.
Janet
Convenient banking
The convenience of digital banking, from mobile check deposits to bill pay, has made it easy to stay on top of everything, no matter where I am.
Hospital Employee
Easy money management
Its straightforward services, minimal fees, and reliability have made managing finances much easier.
Unknown
Seamless banking
I came to the States for the first time and had such a seamless banking experience thanks to the amazing support from SCU. Everything from account setup to credit card happened digitally and enabled me to be digitally independently from day 0.
Jitesh
Stress-free finances
Having a completely free checking account with no minimum balance or monthly fees makes managing my finances stress-free.
Marta
User-friendly digital banking
Their user-friendly digital banking tools make managing my finances convenient and efficient, allowing me to track spending, save strategically, and make informed decisions.
Yosvany

Frequently asked questions

Standard Credit Union’s routing number is 321177722.

The Routing Number is also called an ABA number or routing transit number. You can find it in the lower left corner of your checks.

Find your routing number on a check.


Financial institutions use routing numbers in order to process payments electronically. Some examples of electronic payments that Standard Credit Union provides are bill pay, wire transfers, checking transactions (sometimes called electronic checks), and direct deposits.

With Digital Banking, you can access all of these electronic payment methods from your home in a safe and secure environment. Sign up today!

You can find a Standard Credit Union ATM, and 30,000 more fee-free ATMs by visiting our ATM and Branch Locator.

If you have a debit card, you can also receive cash back at no charge when you make a purchase at a retail location.

For your convenience, we also participate in shared branching with Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Standard Credit Union accounts at other credit unions throughout the country as though you were at your local branch.

For a list of shared branch locations.

In addition to STAR® and Plus, we also use Co-op, with over 30,000 fee-free ATMs nationwide. You can get cash back when you make a purchase at many retailers like grocery stores.

We also participate in shared branching with Co-op, a cooperative effort between credit unions nationwide to assist each other’s members. As a result, you can conduct business on your Standard Credit Union accounts at other credit unions throughout the country as though you were at your local branch (some service limitations may apply).

For a list of shared branch locations.

You can transfer funds between your Standard Credit Union accounts, to another Standard Credit Union member (if you know the account number), or to and from your accounts at another financial institution. If you want to send money to someone who is not a Standard Credit Union member  or send a Wire Transfer.

Follow these steps to cancel a scheduled bill payment:

  1. Log in to Digital Banking 
  2. Choose Move Money
  3. Then Bill Pay
  4. Click Activity at the top
  5. Select the scheduled payment you want to cancel
  6. To finish, select Cancel Payment twice to confirm your request

Note that if a payment doesn’t appear under the Scheduled heading it has already been processed and can’t be canceled.

Bill Pay is a free service offered to Standard Credit Union members through Digital Banking. All you need is a Standard Credit Union checking (spending) account.

It’s easy to get started:

  1. Log in to Digital Banking
  2. Choose Move Money
  3. Bill Pay

Follow the prompts.

The services available in Bill Pay include: 

  • Set up payees once to easily make payments
  • Schedule automatic monthly payments for recurring bills
  • View payment history for each payee
  • Receive notifications about bills and payments
  • Pay bills from your Standard Credit Union checking (spending) account
  • Pay the balance in full, instead of the minimum payment due
  • Make a partial payment (e.g., an extra mortgage payment)
  • Payee’s account number required
  • Download or export payment data
  • Receive and pay eBills

It’s easy to get started:

Yes, we have two accounts for children under age 18:

  • Youth Savings account is a free savings account designed for children age 0-17, with no minimum balance requirement
  • Teen Spending account is an interest-bearing checking account designed for minors age 13-17, with no monthly fees

 Both accounts will require an adult co-signer, so the parent or guardian must also be a member. You can open a child’s account either in person at a local Standard Credit Union branch. You’ll need a copy of your child’s picture ID, Passport or birth certificate.

No! You’re a member for life and we don’t want to see you go! You can access your accounts and perform most transactions worldwide 24/7 through Digital Banking. We also have over 6,000 shared branch locations with other credit unions, where you can conduct business as if you were at one of our local branches.

Yes, your debit card and credit card are accepted internationally AND they have no foreign transaction fees!

If your ATM card is linked to a checking (spending) account, it will also be accepted internationally.

If you’re already traveling, please call us at +1 408 454 8669 for assistance.

We don’t allow card transactions in countries sanctioned by the USA. or prohibited by USA. law.

We have other convenient online Card Tools for your debit card, like text alerts, locking and unlocking your card, and more. You’ll be automatically enrolled to receive fraud alerts.

You may have received a call, text or email from our fraud prevention center due to suspicious activity on your Card. If they suspect your card security has been breached, they may suspend the use of your card until you validate the questionable purchases.

Always remember to file a Travel Notice before leaving the country or even your state, so we don’t block your card for suspicious activity. List all areas you may be visiting, including layover cities. Once the Travel Notice is submitted, you’ll receive a secure Message that it has been received. Please allow one business day for processing.

You can also manage your credit and debit cards with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

If you suspect your Stanford FCU card has been compromised, contact us immediately at +1 408 454 8669 so that we can help protect you.

You can visit one of our branch locations to have a new card issued instantly. If your card is lost or stolen, you can log in to Digital Banking to order a new card, grab the card info for online purchases, download the digital version to your wallet, and report your card lost or stolen. Don’t use this service if you need rushed delivery, are shipping to an alternate address, or you’re simply replacing a damaged card and want to keep the same card number.

  1. Log in to Card Center in Digital Banking 
  2. Click on Replace & Order Card
  3. Follow the steps to submit your request and block your card
  4. Return to Card Center to add your new card to your digital wallet and grab your card info for online shopping and updating any recurring payments

You can also block your card and receive a new one by calling +1 408 454 8669.

If you simply need a replacement for a damaged card, please contact a Member Care Team Specialist at +1 408 454 8669.

Take control of your cards with Card Tools!

Credit and debit cards are often a source of fraud, as retailers frequently experience data breaches and the card information they store becomes available on the black market. Standard Credit Union has strong fraud prevention systems to help protect our members, but we also have tools to help you manage your own cards!

If you already have a beneficiary on file, you’ll see the beneficiary name appear under Add As Beneficiary on the Account when you open a new deposit account in Digital Banking. Simply check the box next to the beneficiary name you wish to add to the new account.

You can also add and delete new beneficiaries through the Manage Beneficiaries tool in Digital Banking, use authenticated Chat through Digital Banking, call us at +1 408 454 8669.

Yes! You can open a savings or checking (spending) account without leaving the comfort of your home. Review our savings and checking account options first. Current members can open accounts through Digital Banking. Non-members can also join and open an account online.

You can also become a member by opening a Savings.

A canceled check is a check which has cleared the depositor’s account, and therefore marked “canceled” by the depositor’s financial institution. Copies of canceled checks can be used as proof of payment and are accessible for up to 7 years.

You can check your account balances and transactions 24/7 by logging in to Digital Banking. Learn more about Digital Banking on our website.

Before you close your Standard Credit Union account, please note that you’re a member for life, and we have hundreds of members doing business with us around the world! Our Visa debit and credit cards are international, with no foreign transaction fees. Let us know how we can serve you!

If you absolutely must close your account (and we hate to see you go), there are three options:

  1. Close your account in Digital Banking
  2. Visit a local Standard Credit Union branch

Members also have access to 6,000 Co-op shared branches at other credit unions, where you can conduct transactions on your Standard Credit Union accounts.