Personal Checking

Spending accounts

Choose the checking account that’s right for you, and enjoy low fees, online services, and convenient features that make it easy to manage your money!

Spending Account Features

Spending Account Features

  • 30,000 fee-free ATMs nationwide—or use Membership Rewards to earn unlimited free worldwide ATMs
  • Get rid of foreign transaction fees with a Visa-protected debit card, which can be instant-issued at any Stanford FCU branch or delivered right to your home
  • Your debit card is compatible with Apple Pay, Google Pay and Samsung Pay; and comes with ID Navigator Powered by NortonLifeLock™ with smart tools to help protect against identity theft
  • Free first box of Stanford FCU logo checks
  • Mobile and Online Banking with free services like mobile check deposits, bill pay, and eStatements
  • Minimal fees and service charges

Find the right account for you

Everyday Spending Account

Everyday Spending Account

Everyday Spending is a totally free checking account with no minimum balance or direct deposit requirements, and no monthly fee.


High Yield Spending Account*

Earn a high yield on all balances up to $50,000 when you meet the monthly qualifications: Combined payroll direct deposits of at least $5,000 and a minimum $1,000 spent on your combined debit and credit cards. There’s no monthly fee or balance requirements! View rates

Premier Spending Account

Premier Spending Account

Let your money work for you with our interest-bearing Premier Spending Account. The low monthly $10 fee is waived with a minimum daily balance of $2,500, or combined savings and loan balances (including mortgage loans) of $20,000. You’ll earn even higher rates with Membership Rewards.

Student Spending Account

Student Spending Account

Our Student Spending Account is simply free! There are no minimum balances or direct deposit requirements, no monthly fees, and no overdraft fees—we turned off the fee package so college students won’t pay a dime. You even get free unlimited worldwide ATMs! Stanford University students get extra perks, with a Student Referral Program that earns each of you $25, a Student Rewards Credit Card, and a Graduation Package with special offers for new and recent grads.

Student Club Spending

Stanford University’s clubs and associations will find it easy to manage your club’s finances with our Student Club Spending account. There’s no monthly fee or balance requirement. Open your Club account at a local branch or schedule an appointment.

Teen Spending Account

Teen Spending Account

A Teen Spending Account is a great way to help teens age 13 -17 learn to manage money. There’s no monthly fee or balance requirement, and you even earn interest! Your debit card purchases and ATM withdrawals are limited to $500 per day. Accounts for minors require a parent or legal guardian as a joint owner and must be opened at a Stanford FCU branch, or the signed application must be sent by mail to P.O. Box 10690, Palo Alto, CA 94303-0843. View rates

Bank On Checking

Bank On is a national coalition working to provide safe and affordable bank and credit union accounts for everyone. Stanford FCU’s Bank On Checking account is free and certified to meet the national Bank On standards. 

*High Yield Spending Account interest is determined on the last day of each preceding month. If all requirements are met by month-end, then the interest will be paid at the current Qualified Rates up to $50,000 and > $50,000 on the average daily balances on the last day of the following month based on the average daily balance of the account for that month. If the requirements are not met by the last day of the preceding month, then the interest will be paid at the current Non-Qualified Rate on the last day of the following month based on the average daily balance of the account for that month. Limit one High Yield Spending account per primary member. Monthly Requirements to earn the Qualified Rate: (a) receive at least $5,000 in combined payroll direct deposits in the member’s Stanford FCU accounts, and (b) spend a minimum $1,000 on the member’s combined Stanford FCU debit and credit cards with the same primary account owner as the High Yield Spending Account. Payroll direct deposit is defined as recurring ACH payments from your employer or the Social Security Administration. Other deposits such as checks, transfers, Venmo, Zelle® and PayPal do not qualify. Deposits and purchases must post by the last day of each month to qualify. Grace period: During the first two months of opening a new High Yield Spending Account the interest will be earned at the current Qualified Rate, and the account requirements at the end of the second month will be used to determine the rate paid on balances in the third month. Existing checking accounts that convert to a High Yield Spending Account will not have a grace period.

Membership Rewards

Membership Rewards are designed to reward you for being an active and engaged member of Stanford FCU. You already enjoy the benefits of minimal fees, higher deposit rates and lower loan rates. Membership Rewards provide even greater value!

Open more accounts, get more rewards.
It's that simple!

  • Unlimited waived ATM withdrawal fees
  • $0 stop payment fees
  • $0 outgoing wire fees
  • .10% bonus Premier Spending rate
Learn More

Checking Education

Learn the financial basics about checking accounts and more.

Explore Online Learning Modules
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