Feel Good Checking

No Monthly Fee or Minimum Balance

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.1

$20 for a Local Non-Profit Partner of Your Choice

When you open your account, we’ll donate $20 to the non-profit community partner of your choice. Since 2008, Feel Good Checking has raised more than $150,000 for these life-changing organizations.

Our non-profit partners are selected by our community through a nomination and voting process each year.

Seattle Humane       Seattle Children's Theatre  The Seattle Public Library Foundation    Seattle Tilth    New Beginnings     Bike Works  Northwest Harvest

Learn more about this year's partners and how they're chosen.

Support Credit Unions through CULAC
From August through December 2015, you can designate your donation to CULAC to help support the credit union movement. To learn more, click here. To make a donation directly, click here.

6.14% APY2 on Your First $500

You don’t need a lot of money to get a great return. We’ll pay you 6.14% APY on the first $500 in your account. All you have to do is use eStatements and Direct Deposit to get this great dividend benefit.

Free Checks3, Bill Pay, & Online Banking

You can get one free box of checks every year. Plus, you’ll have access to all the convenient, free services SMCU offers, including Online Banking, Bill Pay, Mobile Banking, and SMCU’s Debit or ATM card.

It's Easy to Switch.

SMCU Branch Representatives are specially trained to help you move your checking and savings accounts 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 SMCU 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.

Open Now

Manage your accounts on the go.

Access your accounts from wherever you are. With SMCU’s free mobile app for Apple and Android, you can:

  • View account balances
  • View transaction history
  • Transfer between SMCU accounts
  • Schedule payments to existing Bill Pay payees
  • Deposit checks remotely
  • Find the branches and surcharge-free ATMs nearest you

To download the app, visit the Apple App Store or Google Play and install the application on your device.

Log in using the same username and password you use for Online Banking, and you're all set.

SMCU's Mobile App


1Savings calculated based on $15/month checking service charge over 12 months

2APY 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 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.

3Free 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.



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