Checking Accounts

What's better than free checking? Putting money back in your pocket.

Scient Regular Checking

Better money management, plus 100 bucks

We're betting you like the total convenience of a checking account that comes with free online and mobile banking, free bill pay and free access to a nationwide ATM network. But to sweeten the deal, we're also offering a $100 bonus if you open an account and then sign up for Direct Deposit.

  • To get your bonus, initiate Direct Deposit† with a minimum of $750 per month within 60 days of opening your account
  • Print out your Direct Deposit Bonus Coupon, sign it and bring it to any branch to receive your $100 bonus
  • Cover account shortages with Overdraft Protection or Privilege Pay. It’s free to enroll and you’re only charged when you need it.
  • No monthly service charge when you sign up for free, secure eStatements*
  • Free Visa® debit card for fast, easy purchases
  • Free online banking and electronic bill pay
  • Free mobile banking and mobile check deposit
  • Free access to 30,000 CO-OP® ATMs 
  • First 5 foreign ATM transactions are free***
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Scient Interest Checking

As high as 0.10% APY**
Bigger balances definitely pay off

Your checking deposits don't have to just sit there quietly and wait for you to spend them. They can be put to work earning even more money to meet your daily expenses and monthly bills.

  • Earn our dividend rate on balances over $2,500
  • No Direct Deposit required
  • No monthly debit card transaction requirements
  • First 80 checks are free
  • Cover account shortages with Overdraft Protection or Privilege Pay. It’s free to enroll and you’re only charged when you need it.
  • No monthly service charge when you sign up for free, secure eStatements*
  • Free Visa® debit card for fast, easy purchases
  • Free online banking and electronic bill pay
  • Free mobile banking and mobile check deposit
  • Free access to 30,000 CO-OP® ATMs
  • First 5 foreign ATM transactions are free***

 

**APY= Annual Percentage Yield. APY effective as of June 12, 2020, and is subject to change without notice. Interest earned is based on Average Daily Balance for the month. Earn a dividend rate of 0.10% APY when the average daily balance is $2,500 or greater. Dividends are calculated by the average daily balance method that applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is the calendar month. No dividend is earned when the average daily balance is less than $2,500. If the monthly average balance falls below $1,000, then a $5 monthly service charge will apply. A monthly maintenance fee will be applied if the primary member is not enrolled in Scient eStatements thru online banking. This fee is waived if the primary member is under the age of 18 or over the age of 65. There is no minimum to open the account. See Truth and Savings Disclosure for addtional details and fees that may reduce earnings on this account.

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Visa® Debit Card

An all-purpose card that works anywhere

It's probably the most versatile financial tool you can carry. With a Scient Visa® Debit Card, you can buy gas, groceries and everything else. You can get cash from fee-free ATMs. And you can enjoy the security of Visa's round-the-clock anti-fraud protection.

  • Make purchases at the store or online– funds are automatically debited from your checking account
  • Never pay any interest on your purchases
  • Use at over 30,000 free, nationwide ATMs
  • First 5 non-Scient ATM withdrawals each month are free***
  • Secure shopping with free Verified by Visa protection
  • Track your spending through online banking
  • Cover account shortages with Privilege Pay. It’s free to enroll and you’re only charged when you need it

Scient FCU is a full-service credit union with branches in Groton and New Haven Connecticut.

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Direct Deposit

Don’t wait in line on pay day to deposit your check. Sign up for Direct Deposit and have your money automatically deposited into your account!

Start saving time today

Simply bring your Scient account number and Scient’s Routing/ABA Number (211177010) to your employer to sign up.

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*A monthly maintenance fee will be charged to Scient checking (share draft) accounts that are not enrolled in Scient eStatements. This fee will be waived for accounts enrolled in eStatements, and for primary account owners under the age of 18 OR over the age of 65 at the time the fee is assessed. 

†This offer is limited to one per account number. Members that already have a checking account at Scient FCU are not eligible for this offer. You must deposit at least $25 to open the checking account. To receive the $100 bonus, the minimum direct deposit must be in the amount of $750 per month. Member needs to notify the credit union within 60 days after the initial direct deposit has been received by Scient FCU to receive the $100 bonus. The $100 bonus will be added to the member’s checking account within 30 days of notification. Checking account must remain open for 12 months and have a direct deposit with minimum amount of $750/month or the bonus will be debited (subtracted) from the account balance at closing. This bonus will be reported to the IRS as a dividend. This offer can be modified or withdrawn at any time without notice. This is a limited time offer and may be canceled at any time. Other terms and conditions may apply. 

**APY = Annual Percentage Yield

***Excludes surcharge imposed by the owner of foreign ATMs.