Checking Accounts


blue text box to the left with the text End Bank Fees. Get FREE Checking with a whole lot more!*

Earn more on checking without the hassle. Our checking accounts provide on-the-go, 24/7 access to your funds while saving you money.  Select the checking account that works best for your lifestyle.

Scient Regular Checking

Get a FREE* checking account, and so much more!  Open a new regular checking account with Direct Deposit and we’ll give you $100.† It only takes three simple steps to earn your bonus:

  • No minimum balance requirement
  • Initiate Direct Deposit with a minimum of $750 per month within 60 days of opening a checking account
  • Print out your Direct Deposit Bonus Coupon
  • Sign your coupon and bring it to any branch to receive your $100 bonus
  • FREE access to 30,000 CO-OP ATMs***



Scient Interest Checking
When you open up your new account, you’ll enjoy benefits from our regular checking account, plus:

  • Earn a Dividend Rate of 0.10% APY** on Balances over $2,500
  • No Direct Deposit Required
  • No Monthly Debit Card Transaction Requirements
  • Your First 80 Checks FREE



And enjoy all of the great things that come with your Checking Accounts:

  • No monthly service charge when you enroll in free, secure eStatements*
  • FREE Visa® debit card
  • FREE online & mobile banking with mobile deposit
  • FREE bill pay
  • FREE access to 30,000 CO-OP® ATMs (way more than the big banks offer)***
  • First 5 foreign ATM transactions are FREE***
**APY= Annual Percentage Yield. Interest earned is based on Average Daily Balance for the month. Earn a dividend rate of 0.30% 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 $1000. then a $5.00 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. Other terms and conditions may apply. Rate subject to change without notice.
*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. ***Excludes surcharge imposed by the owner of foreign ATMs. This credit union is federally insured by the National Credit Union Administration.