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Beware of holiday scams as merchants prepare for increased online sales as a result of store closures and restrictions due to the COVID-19 pandemic. Learn more.

We’re here for our members! Most branches remain open with safety protocols. Learn more.

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Search the Website Personal Business Wealth Management ATM & Branch Locator

Personal Checking

Checking 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!

Basic Checking
Premier Checking
Student Checking
Student Club Checking
Sigma Teen Checking
Checking Education

Explore our checking features

ATM Icon

30,000 fee-free ATMs nationwide—or use Membership Rewards to earn unlimited free worldwide ATMs

Debit Card Icon

Instant-issue debit card at any Stanford FCU branch, with no foreign transaction fees

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Debit card is compatible with Apple Pay, Google Pay and Samsung Pay

logo checks

Free first box of Stanford FCU logo checks

Mobile and Online Icon

Mobile and Online Banking with services like Pay A Friend, mobile check deposits, bill pay, and eStatements

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Minimal fees and service charges

Basic Checking

Basic Checking

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

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Premier Checking

Premier Checking

Let your money work for you with our interest-bearing Premier Checking. 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.

Open Account
Student Checking

Student Checking

Our Student Checking 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 Bike Loan Credit Builder, and a Graduation Package with special offers for new and recent grads.

Open Account
Student Club Checking

Student Club Checking

Stanford University’s clubs and associations will find it easy to manage your club’s finances with our Student Club Checking account. There’s no monthly fee or balance requirement.

Open Account
Sigma Teen Checking

Sigma Teen Checking

A Sigma Teen Checking account is a great way to help teens age 13 -17 learn to manage money. There’s no monthly fee or balance requirement—you just need a parent or legal guardian as a joint owner on the account. Your debit card will be limited to $200 per day in purchases and ATM withdrawals.

Open Account

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 Checking rate
Learn More

Checking Education

Learn the financial basics about checking accounts and more.

Explore Online Learning Modules