Compass Checking

Point your finances in the right direction

This is the right checking account for you if you’re looking to re-establish a checking account after account troubles or ChexSystems records. You’ll benefit from a FREE checking account with NO monthly fees.*

To open a Compass Checking Account, click Open Account above and you’ll be directed to open a Basic Checking account. Enter the promotion code COMPASS.




  • Payroll direct deposit
  • Debit card withdrawal limitations


Stanford FCU
 Compass Checking Wells Fargo
 Opportunity Checking
Monthly Service Charge Free $101
(waived if qualifications are met)
Minimum Balance to avoid fee None $1,500
(or meet other account requirements)
Monthly Service Charge Free $10
(waived if qualifications are met)
Overdraft Protection Transfer FREE2
(from SFCU Savings Account)
Fee-Free ATMs 30,000+ 12,000+
Foreign Transaction Fee NONE4 3% of U.S. transaction amount
Free Mobile Access &
Mobile Check Deposits5
Yes Yes


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 Stop Payment Fee $20
Incoming Wire Fee
(Domestic and International)
NONE Outgoing Domestic Wire Fee $10
Overdraft Protection
Transfer Fee
NONE Outgoing International
Wire Fee
ATM Access Charge for
Non-Stanford FCU ATM
NONE Inactivity/Dormant Fee
(12 consecutive months of inactivity)

See Fee Schedule


*Subject to account approval. This account is available to employees of our select employer groups. All members are required to have a $5 membership share balance in any of the following accounts: Checking Account, Savings Account, Money Market Account, Share Certificate or Individual Retirement Account. Debit card withdrawal limits vary based on account qualifications. $500 per month Payroll direct deposit is required within the first 45 days or the account is subject to closure. This account is not eligible for Premium Overdraft Protection.


Comparison information was obtained April 2017 via website research. Information is subject to change. 1. Fee waived when specific criteria is met. 2. Transfer from SFCU savings. 3. Transfer from an eligible WFB savings account or line of credit. 4. SFCU does not charge foreign transaction fees on debit and credit card transactions, but other financial institutions or merchants may. 5. Wireless carrier fees may apply.
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