A checking account worth chatting about! A man on his phone sipping coffee.

Rewards 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.  

Signing Up for eStatements

REwards Checking Account Comparison
  Basic Checking

Premier Checking 
(Previously Interest Checking)

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%
on balances up to $5,000
(0.25% on portion of balances over $5,000)
Rewards Program
Cash back, Gift Cards, Travel, Merchandise and more


Included with Debit Card


Included with Debit Card


Included with Debit Card
CardValet Fraud Protection Mobile App for Debit Cards


App Download


App Download


App Download
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 $500 in ACH deposits each month


Open Account

Already a member? 
Great, add this account to your membership by clicking below.

+ Add Account


Open Account

Already a member?
Great, add this account to your membership by clicking below.

+ Add Account

Open Account

Already a member?
Great, add this account to your membership by clicking below.

+ Add 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.

Dividends earned for High Yield Checking on average daily balances of $250 to $5,000. Balances above $5,000 earn 0.25% Annual Percentage Yield. Rates effective as of 3/1/2020 and are subject to change without notice. Fees may reduce earnings.

Move Money

Need to move some money?  Check out these options:

Send money to anyone, in as little as 1 business day, using their email address or mobile phone number.  Log into online banking, select the Bill Payment tab to conveniently send money.  PopMoney is also available on our TouchBanking mobile app.

Download on the App Store   Download from Google Play

External Transfers
Transfer funds between your credit union accounts and accounts that you own at other financial instiutions.  Access this feature through the desktop or mobile application and the transfer can be processed within 3 business days.  Once you have used the system routinely you will be able to unlock the next day feature and move money in as little as one business day.

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.

Debit Card with CardValet Fraud Protection App

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

CardValet Mobile App

Monitor your account on the go, with CardValet you can control how, when and where your debit card is used. 

  • Turn your debit card on and off
  • Establish transaction spending limits
  • Set Alerts and Notifications
  • Link accounts to better monitor dependent spending

Who should use CardValet?

Parents: Link accounts with children who are away at college.  By using the GPS system in their smart phone, geographic use restrictions can be established for college students along with restrictions on merchant type and spending limits.
Business:  Monitor or control for specific merchant categories, such as travel, restaurants or entertainment, and can be denied or reported for types of merchants deemed not business related.
Limited Card User:  If you only use your card on a limited basis you can easily turn your card off when it is not in use.
Experienced Card User:  Set alerts to monitor transactions, utilize geographic limits to protect from fraudulent activity.

Learn More


Activation Line:   800.992.3808
Lost/Stolen Line:  800.472.3272 
Lost/Stolen (Out of USA): 800.472.3272

How long does it take to receive a debit card?
Our Saratoga Branch can print your card on the spot.  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.

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.


Mobile App

Manage your money on the go with our Mobile App.  Make deposits, transfer funds, and find locations all with just a tap on your phone.  iPhone Download | Android Download


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.