Checking Accounts

Open a checking account tailored to your needs and packed with perks!

Our checking accounts combine everyday convenience with member-forward benefits designed to fit your lifestyle. Whether you’re making purchases, paying bills or checking your balance on the go, we’ll make sure you have the tools you need to manage your money with confidence.

Each account includes a debit card for functional, everyday purchase options and easy access to your money. Our digital banking platform gives 24/7 access to your account, while our free bill pay services and eStatements make managing your finances simple, secure and paper-free.

Banking Made Easier

All of our checking accounts are direct deposit and direct debit ready, allowing for simplified electronic transactions. As a valued member, you may also benefit from discounted loans, mortgage rates and credit card rates through Diamond Checking. Free overdraft transfers from savings and personal lines of credit are also offered, providing peace of mind in case of unexpected expenses.

Wherever you go in life, your account stays with you. Take advantage of free withdrawals within our ATM Network, and experience everyday banking supported by a credit union dedicated to putting you first.

Diamond Checking

• Introductory rate of 7% APY on the first $2,500*

• No monthly fee 

• Early pay 

• Free first order of checks 

• E-statements

• Free online banking and bill pay

• Free mobile banking with mobile deposit

• Free ATM withdrawals at over 60,000 in-network ATMs nationwide

• No minimum balance 

• Fraud monitoring services 

New Wave Checking

If you’re between the ages of 18 and 23, St. Cloud FCU offers our New Wave Checking accounts just for you! This account comes with a range of benefits tailored to suit your financial needs.

Say goodbye to the inconvenience of a minimum balance — this account requires none. Additionally, there are no monthly service fees to deduct from your funds. 

With our account, you can use any ATM without incurring fees — it's completely fee-free regardless of the ATM you choose! We believe in straightforward and transparent banking, which is why we've eliminated unnecessary complications. It's time to embrace hassle-free banking with our exclusive checking account. Ride the wave of convenience and financial freedom today!

** Non-network ATM fees reimbursed; up to $30/month

Traditional Checking

Experience true freedom with our banking services that empower you to do what you want, whenever you want. Open an account with us today to discover real financial flexibility. No more minimum balance requirements — manage your funds without worrying about keeping a specific balance in your account.

With our Traditional Checking account, there are no monthly service fees to burden your banking experience. We believe in giving you the autonomy to make choices that align with your financial goals and aspirations. Embrace the freedom to bank on your terms and take control of your financial future. Open an account with us today and let freedom ring in your banking experience.

Business Checking

When it comes to meeting the unique needs of your business, St. Cloud FCU has you covered with our comprehensive Business Checking accounts. Whether you're a small start-up or a well-established company, we offer customized solutions to meet your needs. Our Business Checking accounts also include features and benefits designed to streamline your financial operations.

Order Checks

Ordering checks has never been easier with St. Cloud FCU's convenient, hassle-free process. Whether you're running low on checks or need to personalize your new set, we've got you covered. Simply log into your online banking account or reach out to our dedicated customer service team, and we'll guide you through the ordering process step-by-step.

Select from a range of check designs and styles that showcase your personal taste and brand identity. Our secure and dependable check printing services guarantee checks of the highest quality. Avoid the hassle of running out of checks by maintaining a steady supply for your business needs. Place your order today and enjoy the convenience and confidence of smooth financial management.