Checking Accounts

Our checking accounts offer all the best in convenience banking.  Equipped with all the tools to manage your finances.  Deposit checks through your mobile device and split bills virtually with friends through POPMoney.  Stay protected with overdraft privilege for those times you need a little help between paychecks.  Choose which account is right for you between the Link and LinkFlex programs.  Need help choosing? Give us a call.

Checking Account Comparison
  Basic Checking
Previously Link Account
Interest Checking
Previously LinkFlex
High Yield
Annual Percentage Yield
Dividends earned on average daily balances of $250.00 or more.  Fees may reduce earnings.
0.00% 0.25% 1.00%
Balances of $250 to $5,000

Balances above $5,000
Online Banking with Bill Pay      
Mobile Banking with Mobile Check Deposits      
ATM Transactions (withdrawals, inquiries, transfers)* 2 free per month then $2.00 for each withdrawal, inquiry and transfer 4 free per month then $2.00 for each withdrawal, inquiry, and transfer 4 free per month then $2.00 for each withdrawal, inquiry, and transfer
Overdraft Privilege Forgiveness N/A Waived if balance is under $25 negative/day Waived if balance is under $25 negative/day
Complimentary Checks N/A First box is complimentary** First box is complimentary**
Monthly Maintenance Free
with eStatements

with eStatements


with eStatements and $2,000 in ACH deposits each month

  Open Account Open Account Open Account

*Surcharge-free ATM transactions per month are cumulative. ATM transactions include balance inquiries, deposits, withdrawals and transfers. In addition to the fees charged on some accounts by Saratoga’s Community FCU, ATM owners may charge additional fees known as surcharges to use their ATMs. These vary by institution. Our credit union has entered into an agreement with Stewart’s Shops and the CO-OP Network to allow members access to participating ATMs, Kiosks and cash dispensing terminals without paying surcharges. Credit union fees for exceeding the maximum amount of transactions as stated in our fee schedule and your account agreement will still apply.

**Member is responsible for shipping fees.

Move Money

Need to move some money?  Check out these options:

Send money to anyone using their email address or mobile phone number, in as little as 1 business day.  PopMoney lives in online banking under the Bill Payment tab so you can conveniently send money to someone while you are doing your banking online.

Download on the App Store   Download from Google Play

Sprig App
Manage your money on-the-go with Sprig by CO-OP.  View balances, transfer money and make check deposits all from your smart phone.

Download on the App Store   Download from Google Play

Wire Transfers
Fast, easy and reliable – send funds to someone across the country or on the other side of the world.  Available at our Saratoga Service Center location.

Overdraft Privilege

We’ve all been there - unforeseen expenses resulting in bounced checks or declined transactions.

How it Works
With Overdraft Privilege, the credit union will process your checks, ACH and debit card transactions, when there are not enough funds in your accounts.  Save money with Overdraft Privilege with a reduced processing fee of up to $30 per item, priced lower than the Non-Sufficient Funds (NSF) charge you would have received if the items were returned. Plus avoid any additional fees normally charged by merchants for returned items.

ATM and Debit Card Transactions
In order for the credit union to authorize ATM and everyday Debit card transactions, you must give us your consent to do so by ‘opting in’. Instead of being declined during a time of need, Overdraft Privilege will help you cover the expense. Opt in online today!

Overdraft Privilege Opt-In

Please take a moment to review the Discretionary Overdraft Privilege Policy.

To opt out of the program entirely, please download, print and fill out the form.

*Overdraft Privilege is not a line of credit. You may opt out of this service at any time. There are no additional monthly fees; fees are only assessed if you use the service. Account must be in good standing.

Debit Card

Surcharge-Free ATM Access
Get access to over 30,000 surcharge-free* ATMs nationwide, including Stewart’s ATMs, plus use to make purchases anywhere Visa® is accepted.


Activation Line:  866.333.9337
Lost/Stolen Line:  800.472.3272 
Lost/Stolen (Out of USA): 800.472.3272

Need your card now?
The credit union is now offering instant issue debit cards.  Get your new or replacement card at our branch location today.

*Refer to checking account table above for details.  Also see our Fee Schedule.

Incite Rewards

A revolution in rewards.

Incite is a unique rewards program that goes beyond just swiping your debit or credit card.  We value your membership and want to reward you for it.

Incite Rewards

Earning Points
While you can earn points the traditional way, by making purchases, you can also earn points for having a loan, being a member for 10+ years and so much more!

Redeeming Points
Redeem in unique ways, such as travel, music & app downloads, merchandise and even exchange for credit union fees and services.


Sprig App

Manage your money on the go with our Sprig App.  Make deposits, transfer funds, and find locations all with just a tap on your phone.


Ever wonder how long it would take to become a millionaire or how much money you may need in retirement.  Use our savings and retirement calculators to start planning for the future.

Protect the Ones You Love

Different life stages mean different responsibilities. As those commitments build, grow and change, make sure to evaluate the insurance coverage you need to protect them.