Checking Accounts

Donate to Local Non-Profits and Earn 6.14% APY with Feel Good Checking

Earn 6.14% APY1 with Feel Good CheckingTM

When you open a free Feel Good Checking account with SMCU, we donate $20 to the non-profit partner of your choice.


Plus, you'll receive 6.14% APY on the first $500 of your balance and free checks for life2. You won’t pay a monthly service fee regardless of your balance or how many transactions you do in a month. By switching, you could save up to $180 a year over checking accounts at an ordinary bank.3

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  • See Feel Good Checking Details and Disclosures

     

    1 APY is Annual Percentage Yield and is accurate as of 9/1/2015. Rates on savings, money markets, and checking accounts may change after account opening. Account fees may reduce earning on the account. Feel Good Checking accounts pay 6.14% APY on any portion of the account balance at or below $500 and 0.05% on any portion of the balance above $500. Minimum requirements for earning dividends: (1) eStatements (2) Direct Deposit. Only one Feel Good Checking account per member.

     

    2 Free box of checks is limited to Classic style with standard type style and no additional graphics added. Members who choose a different style will receive a once-per-year $5 credit toward their choice of checks.

     

    3 Savings calculated based on $15/month checking service charge over 12 months.

Enjoy the following features with all Seattle Metropolitan Checking accounts.

30,000 Surcharge-Free ATMs

Free Online Banking

Free Mobile App

Free eStatements

Free Bill Pay

Free Text Banking

It's easy to switch.

SMCU Branch Representatives are specially trained to help you move your checking account as quickly as possible without disrupting your life and finances. They will give you all the information you need to transfer any automatic deposits or payments you have set up at your other bank, so you can start taking advantage of the great perks you'll get with your checking account. Stop by a branch or call us today at (206) 398-5500 or toll-free at (800) 334-2489 to get started. Or, if you'd prefer, you can open an account online.
 

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Testimonial

"I heart this bank [...]. I have received wonderful service for 9 years now. wow! I've been approved for two car loans, have personal banking and now small business banking accounts here. I am always satisfied with their customer service no matter what I need. Stop going to commercial banks. Be known by your bank & get better service with no extra fees."

-Ceci L., Member

DISCLOSURES


1APY is Annual Percentage Yield and is accurate as of 2/1/2014 . Rates on savings, money markets, and checking accounts may change after account opening. Account fees may reduce earning on the account. Feel Good Checking accounts pays 6.14% APY on any portion of the account balance at or below $500 and 0.05% on any portion of the balance above $500. Minimum requirements for earning dividends: (1) eStatements (2) Direct Deposit. Only one Feel Good Checking account per member.
2Free box of checks is limited to Classic style with standard type style and no additional graphics added. Members who choose a different style will receive a once-per-year $5 credit toward their choice of checks.
3A low balance fee of $7 will be assessed if the ending balance falls below the minimum account balance requirements on any day during the month. Rates can change without notice. Rates on savings, money markets, and checking accounts may change after account opening. Account fees may reduce earning on the account.
4A low balance fee of $10 will be assessed if the ending daily balance falls below the minimum account balance requirement on any day during the month. Rates can change without notice. Rates on savings, money markets, and checking accounts may change after account opening. Account fees may reduce earning on the account.

Rates

 

Auto Loans as low as*

 

1.49%APR

Certificates as high as

 

2.02%APY

Checking as high as*

 

6.14%APY

Credit Cards as low as**

 

7.49%APR