Premier Checking

Checking that really pays—including dividends

Let your money work for you with our Premier Checking Account. It gives you all the flexibility of our basic checking account, while you earn dividends on your checking balance. You’ll enjoy minimal fees, access to 30,000 fee-FREE CO-OP ATMs nationwide, and a free first box of checks. Earn even higher dividends with Membership Rewards!


Checking Education

Learn the financial basics about checking accounts with these online learning modules.


  • Mobile and Online Banking
  • Free first box of Stanford FCU logo checks
  • Pay A Friend—send and receive money easily!
  • Visa® Debit Card issued in-branch (you’ll be automatically enrolled to receive fraud alerts)
  • Manage your debit card with convenient online tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more
  • 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 nationwide
  • ATM surcharge reimbursements for non-CO-OP ATMs worldwide with Membership Rewards


Q. What is the minimum balance?
A. The minimum balance is $2,500.

Q. What if there’s fraud on my account?
A. Please call us immediately at 888.723.7328 to close your card, prevent additional fraud charges, and receive a new card. Then you can easily report the suspicious activity—just log into Online or Mobile Banking and click on the transaction. Then click Options > Dispute Transactions.

You can also manage your credit and debit cards with convenient online Card Tools like text alerts, locking and unlocking your card, notifying us when you’ll be traveling, and more. You’ll be automatically enrolled to receive fraud alerts.

Q. Can I open an account for my child?
A. We have a Sigma Teen Checking Account designed for minors age 13-17 and a Student Checking Account for students age 18+. Both accounts are free!

If you still need more information, Ask A Question in our Search box at the top of the page, or give us a call at 888.723.7328!


Account Description Dividend Rate Annual Percentage Yield (APY)
Premier Checking 0.10% 0.10%
Premier Checking – Ambassador 0.20% 0.20%

See Rates

Compare Stanford FCU Rates to Banks – As of July 2019

Stanford FCU
Premier Checking
Wells Fargo
Preferred Checking
Bank of America
Advantage Relationship BankingTM
Minimum Balance  Fee $10 $151 $25 per statement cycle1
Minimum Balance $20,000 minimum combined share and loan balances (including real estate loans) or $2,500 minimum daily checking balance to avoid $10 monthly fee. $10,000 combined minimum deposit balances, direct deposits totaling $1,000 or more, or have a linked Wells Fargo Home Mortgage to avoid $15 monthly fee. $10,000 combined minimum balances in linked checking, savings and other accounts to avoid $25 monthly fee.
Overdraft Protection Transfer Free Unlimited2 $12.50 per transfer3 $12 per transfer4
Interest Earning Yes Yes Yes
Fee-FREE ATMs 30,000 13,000 16,000
Instant Issue Visa Debit Card Yes No No
Foreign Transaction Fee NONE5 3% of U.S. amount 3% of U.S. amount
Incoming Domestic Wire Fee NONE $15 NONE
Incoming International Wire Fee NONE $16 Fee varies
Opening Deposit None6 $25 $100
Overdraft and NSF Fees $20 $35 $35
Stop Payment Fee $20 $31 No fee


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 $10 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
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 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.


Comparison information was obtained July 2019 via website research. Information is subject to change. 1. Fee waived when specific criteria is met. 2. Transfer from SFCU Savings. Overdraft protection also available from SFCU Line of Credit. 3. Transfer from a linked WFB savings account or line of credit. 4. Overdraft protection from a linked Bank of America savings account or secondary checking account. 5. SFCU does not charge foreign currency exchange fees on Debit and Credit Card transactions, but other financial institutions or merchants may. 6. 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.
Back to top