Basic Checking Premier Checking Student Checking
Description Our most popular checking account offers online banking and Bill Pay, Pay A Friend and more! Make your money work for you with our interest-earning checking account. Bank worldwide with 24/7 online and mobile access. Free unlimited worldwide ATMs!
Minimum Balance $0 $20,000 minimum combined share and loan balances (including real estate loans) or $2,500 minimum daily checking balance. $0
Monthly Service Fee None None None
Below Minimum Fee None $10 None
Dividends N/A Yes N/A
Membership Rewards Qualifier Yes, with $500+ Direct Deposit Yes, with $500+ Direct Deposit No
Non-Stanford FCU ATMs NO surcharge at CO-OP Network NO surcharge at CO-OP Network Free unlimited worldwide ATMs!
FREE Online Banking and Bill Pay Yes Yes Yes
FREE Mobile Banking with Mobile Deposit Yes Yes Yes
6,000+ Shared Branch Network Yes Yes Yes
Instant Issue Debit Card Yes Yes Yes
NO Monthly Fee on Debit Card Purchases Yes Yes Yes
NO Foreign Transaction Fee on International ATM or Debit Card Purchases Yes Yes Yes
FREE Incoming Wires Yes Yes Yes
FREE Checks N/A 2 FREE boxes of checks per year N/A

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 Ambassador
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 Market Account Bonus Rates 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.

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