Employee Banking Benefits | Stanford Federal Credit Union

New to Stanford FCU? You're right on time.

You can get up to $625 when you open a new account and do things you normally do–like set up direct deposit or sign up for eStatements. Collect yours!

New to Stanford FCU? You're right on time.

You can get up to $625 when you open a new account and do things you normally do–like set up direct deposit or sign up for eStatements. Collect yours!

Dedicated to you and your accounts, focused on your goals and strategies. Your Personal Bankers answer questions and provide all the assistance you need.

Open account

Your employer brought you here, but you’ll be a Stanford FCU member for life—taking advantage of our generous cash bonuses, high savings rates, low loan rates, personal service and virtually no fees.

Open a free checking (spending) account and get a free first box of checks—no strings attached
Automatically access 30,000 fee-free ATMs nationwide—or use Loyalty+ member rewards for unlimited ATM fees reimbursed up to $5 each
Speaking of member rewards, get up to a 1.00% rate discount on auto and personal loans
Choose from various rewards credit cards with up to 5% cashback and no annual, foreign transaction or balance transfer fees
Keep learning with free financial education resources and various webinars
If you relocated to the U.S., you can open accounts without a Social Security number or credit history

Stanford FCU Everyday Checking

Bank of America Advantage Plus Banking^®

Chase Total Checking^®

Monthly fee

$0

$12

$15

Requirements to waive the monthly fee

Always free

$250 direct deposit or $1,500 minimum daily balance, an account owner is a member of the Preferred Rewards program

$500 electronic deposits, $1,500 minimum daily balance, or an average beginning day balance of $5,000 or more

Fee to use other ATMs

(in addition to the ATM operator fee)

$0

$2.50 - $5.00

up to $5.00

Number of free ATMs in U.S.

30,000

16,000

15,000

NSF fee

$0

$10

$34

Stop Payment fee

$0

$30

Temporary checks

$0

Not available

$3 for 3 checks

Cashier’s checks

$0

$15

$10

Debit card foreign transaction fee

$0

3% of the U.S. dollar amount of the transaction

3% of purchase or ATM cash withdrawal amount

View more benefits

All kinds of benefits

I was looking for a credit union with excellent service and care for customers. Ended up opening up an account at Stanford Federal Credit Union after hearing about low rates and quality service. Almost a year later I have no regrets about that decision. SFCU has been awesome!

Ervin S.

Low to no fees

Stanford FCU doesn’t have a lot of fees to reduce or waive, because we barely charge any fees. And we don’t usually offer special rates, because our everyday rates are already amazing.

Joan Opp, Stanford FCU President/CEO

*CashBack+ Terms and Conditions

*New member offers are managed by CashBack+ within Digital Banking. To qualify for an offer’s reward, each offer must be activated and completed within the eligibility period. The eligibility period begins on the date of membership enrollment and continues through the end of the third full calendar month. For example, if membership begins on January 31, offers remain valid through April 30 (90 days). If membership begins on January 1, offers are valid through April 30 (120 days). The expiration of each offer is clearly displayed within CashBack+. Each offer is earned independently. Completion of all offers is not required to receive an individual reward. Any activity after the eligibility period ends will not qualify. All offers, requirements, and rewards are subject to change without notice.

Rewards will typically be credited to the member’s CashBack+ wallet on the 3rd business day after the end of the month in which all offer requirements were fulfilled, but no later than the 5th business day. For example, if an offer is activated and the requirement is met on January 15 then the reward will be credited no later than February 5. If an offer is activated and the requirement is met on January 31, then the reward will be credited no later than February 5. The new membership account(s) must be open, active, and in good standing at the time rewards are credited in order to receive the reward. CashBack+ balances can be redeemed or transferred to a Stanford FCU account via Digital Banking.

New member offers are not available to existing members or Stanford FCU employees. New member offers are limited to one per member and are not applicable to additionally opened or joint accounts. No offer may be combined with any other Stanford FCU promotion. Any taxes owed on earned rewards are the sole responsibility of the recipient. Stanford FCU will report rewards to applicable state and federal agencies as required by law. Membership eligibility and a valid U.S. phone number are required.

Current Promotion
New member CashBack+ offers available to new members who join beginning 4/3/26:
1. $500 when you: (a) open a new Stanford FCU membership with an Everyday, High Yield, or Student Spending account, (b) receive a minimum $2,500 payroll or social security direct deposit each month for three consecutive calendar months (other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify), and (c) spend a minimum combined $1,000 per month on Stanford FCU debit and/or credit cards (excluding refunds and returns) for three consecutive calendar months. All requirements must be met in the same three consecutive calendar months within the member’s eligibility period. Tip: Ensure your first qualifying direct deposit and card spend occur early enough to allow for three full consecutive months within the eligibility period.
2. $35 when you apply for a new Stanford FCU credit card.
3. $30 when you open an additional certificate or savings account with a minimum $1,000 balance.
4. $25 when you attend a new member welcome appointment.
5. $15 when you enroll in eStatements to receive electronic statements and notifications.
6. $5 when you opt-in to Digital Banking account alerts and set up at least one alert.
7. $5 when you send money through Zelle® for the first time.
8. $5 when you set up a Round Up on your Stanford FCU debit card purchases.
9. $5 when you make your first purchase on the CashBack+ Pay app.

Prior Promotion(s)
New member CashBack+ offers available to new members who joined between 3/4/26 and 4/2/26:
1. $500 when you: (a) open a new Stanford FCU membership with an Everyday, High Yield, or Student Spending account, (b) receive a minimum $2,500 payroll or social security direct deposit each month for three consecutive calendar months (other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify), and (c) spend a minimum combined $1,000 per month on Stanford FCU debit and/or credit cards (excluding refunds and returns) for three consecutive calendar months. All requirements must be met in the same three consecutive calendar months within the member’s eligibility period. Tip: Ensure your first qualifying direct deposit and card spend occur early enough to allow for three full consecutive months within the eligibility period.
2. $35 when you apply for a new Stanford FCU credit card.
3. $30 when you open an additional certificate or savings account with a minimum $1,000 balance.
4. $25 when you attend a new member welcome appointment.
5. $20 when you enroll in eStatements to receive electronic statements and notifications.
6. $10 when you opt-in to Digital Banking account alerts and set up at least one alert.
7. $5 when you send money through Zelle® for the first time.

New member CashBack+ offers available to new members who joined between 11/3/25 and 3/3/26:
1. $500 when you: (a) open a new Stanford FCU membership with an Everyday, High Yield, or Student Spending account, (b) receive a minimum $2,500 payroll or social security direct deposit each month for three consecutive calendar months (other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify), and (c) spend a minimum combined $1,000 per month on Stanford FCU debit and/or credit cards (excluding refunds and returns) for three consecutive calendar months. All requirements must be met in the same three consecutive calendar months within the member’s eligibility period. Tip: Ensure your first qualifying direct deposit and card spend occur early enough to allow for three full consecutive months within the eligibility period.
2. $40 when you apply for a new Stanford FCU credit card.
3. $30 when you open an additional certificate or savings account with a minimum $1,000 balance.
4. $25 when you enroll in eStatements to receive electronic statements and notifications.
5. $10 when you opt-in to Digital Banking account alerts and set up at least one alert.
6. $10 when you send money through Zelle® for the first time.
7. $5 when you make your first mobile check deposit.

Offers, rates and terms are subject to change without notice. All loans are subject to credit approval and membership eligibility.

¹ APY= Annual Percentage Yield. Rate shown is available on 8/10/26 and is subject to change without notice. To secure the promotional rates on the 25-Month and 50-Month Certificates, you must apply between 8/10/26 and 9/30/26. Minimum opening deposit is $100 with no maximum. Additional rate bonuses are not available for these Certificates. A checking or savings account is required with Stanford FCU to open a Certificate. New money required. New money is money that is not currently in a checking account, savings account or Certificate with Stanford FCU. Once a Certificate is opened, the rate remains fixed through maturity. Dividends are compounded and paid monthly. Early withdrawal penalties apply and may reduce earnings. At maturity, the 25-Month Certificate automatically renews at a 24-month term and the 50-Month Certificate automatically renews at a 48-month term, at the rate in effect on the maturity date. At maturity and during the grace period, you may change the term or balance of your account or make withdrawals without a penalty. The grace period begins at maturity and ends seven calendar days later.

² Data collected via online research on 7/1/26. Refer to the individual websites for details:
Stanford FCU: Everyday Spending Account, Service Fees
Bank of America: Advantage Plus Banking, Service Fees
Chase: Chase Total Checking, Checking Fees

Benefits

Your credit union benefits will last a lifetime

Better than banks²

Our members and their stories matter.

Benefits

Your credit union benefits will last a lifetime

Better than banks2

Our members and their stories matter.

Better than banks²