Checking

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. Earn even higher dividends with Membership Rewards!

Features

  • 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

 

 

Set Up Your Mobile Wallet

Mobile Wallets are no longer the wave of the future. They’re an everyday payment option.

Get started today:

  1. Set up your Mobile Wallet. Choose the option (Apple Pay, Samsung Pay, Android Pay) that is compatible with your mobile device. Download the appropriate app and follow the installation instructions.
  2. Make a Contactless Purchase. Wherever you see the contactless symbol, you can use your mobile wallet. Select the Stanford FCU payment card within your mobile device and either tap or hover your device over the merchant card reader to activate the transaction.

Enjoy all the benefits of your Stanford FCU VISA debit or credit cards using Mobile Wallets.

 

Learn More

Rates

Account Description Dividend Rate Annual Percentage Yield (APY)
Premier Checking 0.100% 0.100%
Premier Checking – Ambassador 0.200% 0.200%

See Rates

Compare Stanford FCU Rates to Banks

Checking
Basics
Stanford FCU
Premier Checking
Wells Fargo
Preferred Checking
Bank of America
Interest Checking
Minimum Balance  Fee $10 $13 – $151 $251
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 or have a linked Wells Fargo Home Mortgage to avoid $13 – $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 $10 each transfer4
Interest Earning Yes Yes Yes
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 NONE
Incoming International Wire Fee NONE $16 NONE

Fees

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)
$24
Debit Card Foreign
Transaction Fee
NONE Overdraft Protection
(ACH or Check)
$24
Incoming Wire Fee
(Domestic and International)
NONE Stop Payment Fee $20
Overdraft Protection
Transfer Fee
NONE Outgoing Domestic
Wire Fee
$10
ATM Access Charge for
Non-SFCU ATM
NONE Outgoing International
Wire Fee
$20
Inactivity/Dormant Fee
(12 consecutive months of inactivity)
$5

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.

Disclosures

Comparison information was obtained October 2015 via Web sites search. 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 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 currency exchange 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.