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Find an Allpoint™ Network surcharge-free ATM
Checking Comparison Chart
| eChecking | Campus Checking | Cardinal Checking | Cardinal Plus Checking | Advantage Checking | Premier Checking | |
|---|---|---|---|---|---|---|
| Description | A checking account that offers online banking, check writing and electronic services (6) | A checking account especially for students with a low monthly service fee (6) | A basic checking account with a low monthly service fee (6) | An interest earning checking account with benefits of a Cardinal Checking Account without the monthly service fee (6) | An interest earning checking account with added benefits and without the monthly service fee (6) | An interest earning checking account offering the best value for our members (6) |
| Minimum Balance | $0 (3) | $0 (3) | $0 (3) | $7,500 minimum combined share and loan balances (including real estate loans) or $2,000 minimum daily checking account balance (3) | $20,000 minimum combined share and loan balance (3) | $35,000 minimum combined share and loan balances (including real estate loans) (3) |
| Monthly Service Fee | None | $5 | $8 (or $6 with direct deposit) | None | None | None |
| Below Minimum Fee | None | None | None | $12 (or $10 with direct deposit) | $15 | $22 |
| Dividends | N/A | N/A | N/A | Dividends earned (6) | Dividends earned (6) | Dividends earned (6) |
| Debit & ATM Cards | ||||||
| Monthly Card Fee | Free | Free | Free | Free | Free | Free |
| Monthly (POS) Purchase Fee | Free | Free | Free | Free | Free | Free |
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| Notes & Disclosures | Member must have e-mail access. All correspondence between member and SFCU is by e-mail. Member will not receive US Mail correspondence from SFCU unless it is a required form of communication. NOTE: ATM fees not refundable at non-SFCU ATMs located at Tresidder Memorial Union and Stanford Medical Center. | Eligibility is subject to approval and students may be required to show proof of enrollment when account is opened. NOTE: ATM fees not refundable at non-SFCU ATMs located at Tresidder Memorial Union and Stanford Medical Center. | NOTE: ATM fees not refundable at non-SFCU ATMs located at Tresidder Memorial Union and Stanford Medical Center. | NOTE: ATM fees not refundable at non-SFCU ATMs located at Tresidder Memorial Union and Stanford Medical Center. | NOTE: ATM fees not refundable at non-SFCU ATMs located at Tresidder Memorial Union and Stanford Medical Center. | NOTE: ATM fees not refundable at non-SFCU ATMs located at Tresidder Memorial Union and Stanford Medical Center. |
NOTES
See Disclosure Fee Schedule for SFCU fees and fee discounts.
(1)
Subject to change.
(3)
All members are required to have a $50 share balance in any of the following accounts: Checking Account, Savings Account,Money Management Account, Share CDs orIndividual Retirement Account.
(4)
Must have $200 minimum monthly direct deposit to receive four free ATM transactions per month.
(5)
Students are not required to have direct deposit.
(6)
For current rates, click here or contact a Member Service Representative at (650) 723-2509. These accounts are subject to all terms and conditions set forth in the current Dividend News, the Truth in Savings Disclosure and Agreements brochure and the Disclosure Fee Schedule.
(7)
To receive surcharge reimbursement click here.
