Basic Checking

Keeping checking simple

Our Basic Checking account is our most popular option and there are plenty of reasons why! Stanford FCU is a not-for-profit financial cooperative and, as a result, we return more fee-FREE benefits to our members. That’s why members enjoy the ease and convenience of truly FREE checking with NO monthly fees, NO hidden fees, NO minimum balance requirement and access to over 30,000 fee-FREE CO-OP® ATMs worldwide.


  • NO minimum balance requirement
  • NO below minimum fee
  • Mobile and Online Banking
  • Pay A Friend – send and receive money easily!
  • Visa® Debit Card issued in-branch
  • NO foreign transaction fees on International ATM or debit card purchases — a big savings compared to banks!
  • Access to 30,000 fee-FREE CO-OP ATMs Worldwide
  • ATM surcharge reimbursements for non-CO-OP ATMs worldwide with Membership Rewards
  • Card Nav by Co Op


Welcome to a new way to pay! Introducing Apple Pay!

Using Apple Pay with your Stanford FCU Visa debit and credit cards lets you pay in an easy, private way.

Here’s how to use your favorite Stanford FCU card with Apple Pay:

  • Be sure your iPhone 6, iPad Air 2 or iPad mini 3 has the latest version of iOS 8
  • Add your Stanford FCU Visa debit or credit card to Apple Pay…it’s easy.
  • Pay securely with a single touch at hundreds of thousands of stores and participating apps

Enjoy all the benefits of your Stanford FCU Visa debit or credit cards using Apple Pay.


Learn More

Compare Stanford FCU with Banks

Stanford FCU
Basic Checking
Wells Fargo
Everyday Checking
Bank of America
Core Checking
Minimum Balance Fee NONE $101 $121
Minimum Balance NONE $1,500 minimum or
$500 monthly direct deposit
to avoid $10 monthly fee.
$1,500 minimum or
$250 monthly direct deposit
to avoid $12 monthly fee.
Overdraft Protection Transfer FREE Unlimited2 $12.50 per transfer3 $10 each transfer4
Interest Earning No No No
Fee-FREE ATMs 30,000 12,000+ 18,000
Instant Issue Visa Debit Card Yes No No
Foreign Transaction Fee NONE5 3% of U.S. amount 3% of U.S. amount
FREE Mobile Access6 &
Mobile Check Deposits
Yes Yes Yes
Incoming Domestic Wire Fee NONE $15 $15
Incoming International Wire Fee NONE $16 $16

See Rates


No Hidden Fees

We don’t believe you should have to pay extra just to use basic banking services. We have the checking account that fits your lifestyle without any hidden fees, allowing you to do more and bank less.

Below Minimum Fee NONE Non-Sufficient Funds
(ACH or Check)
Debit Card Foreign
Transaction Fee
NONE Overdraft Protection
(ACH or Check)
Incoming Wire Fee
(Domestic and International)
NONE Stop Payment Fee $20
Overdraft Protection
Transfer Fee
NONE Outgoing Domestic
Wire Fee
ATM Access Charge for
Non-Stanford FCU ATM
NONE Outgoing International
Wire Fee
Inactivity/Dormant Fee
(12 consecutive months of inactivity)


Many of our fees are discounted or waived with Membership Rewards.

See Fee Schedule

Membership Rewards

As a true not-for-profit financial cooperative, the more our member-owners use the services of their credit union, the stronger we become—and the more low cost services we can provide. That’s the basis of our Membership Rewards program—the more services you use, the more benefits you’ll receive! Whether you are a borrower, saver or both, you will receive extra benefits when you take advantage of the many great products and services at Stanford FCU. Move all of your financial services to Stanford FCU and easily reach the highest level of Membership Rewards. It’s easy to switch and we can help!

You’ll enjoy exclusive benefits like bonus deposit yields and loan rate discounts, unlimited surcharge-FREE ATMs worldwide and more based on your Membership Rewards level—so why stand for anything less? Make the most out of your banking experience with Membership Rewards.

partner_icon ambassador_icon
FREE Access to ATMs Worldwide Surcharge reimbursements for ATMS outside our ATM networks* Yes, 3 per month Yes, unlimited*
FREE access 30,000 CO-OP ATMs and 6,000 CO-OP Shared Branches Yes Yes
Certificate Bonus Rate Yes Yes
Money Management Account Bonus Rates No Yes
Premier Market Savings Account (PMSA) Bonus Rate No Yes
Premier Checking Bonus Rate No Yes
Discount on Auto Loan Rate 0.50% APR Discount 1.00% APR Discount
Stanford FCU Mortgage Fees Waived** No Yes
Fee Refunds:
Below Minimum Balance Fees 50% 100%
Stop Payment Fee 50% 100%
Outgoing Wire Fees 50% 100%
Select Service Charges 50% 100%

Learn more about
Membership Rewards

* Maximum ATM surcharge reimbursement is $5 per ATM transaction.
** Third-party fees still apply.


Comparison information was obtained October 2015 via Web sites research. Information is subject to change. 1. Fee waived when specific criteria is met. 2. Transfer from SFCU savings. Overdraft protection also available from an SFCU line-of-credit. 3. Transfer from an eligible WFB savings account or line of credit. 4. Overdraft protection from a linked savings account or Bank of America credit card. 5. SFCU does not charge foreign transaction fees on debit and credit card transactions, but other financial institutions or merchants may. 6. Wireless carrier fees may apply.
All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Management Account, Share Certificate or Individual Retirement Account.