Checking Accounts
What's better than free checking? Putting money back in your pocket.
Scient Regular Checking
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 maintenance 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***
†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 to the checking account 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 savings 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 This offer can be modified or withdrawn at any time without notice.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.
***Excludes surcharge imposed by the owner of foreign ATMs.
Scient Checking Plus
We've enhanced our Checking Plus Account, so you can get rewarded just for using it! Your everyday transactions can help you qualify to earn 3.50% APY on your first $15,000.
Additional Benefits:
- Earn 3.50% APY on balances up to $15,000
- No minimum balance to open or earn rewards
- Free online & mobile banking with mobile deposit
- Free Access to 30,000 CO-OP ATMs
- First 5 foreign ATM transactions are free**
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*APY= Annual Percentage Yield. The Checking Plus Account is a Split Rate Tiered account. You will earn the stated APY only for the account balance within each tier. 3.50% APY is paid on balances up to $15,000. Balances over $15,000 earn 0.10% APY. The Default APY Rate of 0.10% APY will be applied to all tiered balances if account conditions are not met. To earn the stated APYs, you must have e-Statement, 20 Debit Card transactions posted per month (excluding ATM transactions) totaling at least $500 and have Direct Deposit of at least $1,500 posted in each calendar month. If you fail to meet these requirements your account will earn the Default APY Rate of 0.10% APY on all tiered balances. Dividend earned is based on the Average Daily Balance for the month. See the Truth in Savings Disclosure for full details. This account is a variable rate account and rates can change at any time without notice. Limit of one Checking Plus Account per member number. **Excludes surcharge imposed by the owner of foreign ATMs. |
Visa® Debit Card
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, New London and New Haven Connecticut.
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.
Financial Calculators.
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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.
