Checking Accounts

Get a checking account that fits your needs and has all the good stuff! 

Our checking accounts offer a comprehensive range of features and benefits to meet your banking needs. With every account, you receive a convenient debit card, allowing you to make purchases and access funds easily. Our state-of-the-art digital banking platform ensures round-the-clock access to your account, providing a seamless banking experience. You can enjoy the convenience of free bill pay services, making it hassle-free to manage and pay your bills. Say goodbye to paper clutter with our e-Statements, which provide secure and eco-friendly access to your account statements.

Our checking accounts are direct deposit and direct debit ready, allowing for seamless electronic transactions. As a valued customer, you may also benefit from discounted loan rates, mortgage rates, and credit card rates through the Diamond checking account. Additionally, we offer free overdraft transfers from savings and personal lines of credit, providing peace of mind in case of unexpected expenses. Finally, our extensive ATM network grants you free withdrawals through the CO-OP Network. With our checking accounts, you'll enjoy a comprehensive suite of services designed to reward you for how you want to do banking. 

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

For those of you between the ages of 18-23, St. Cloud FCU offers our New Wave checking accounts for you! Our New Wave checking account offers an array of benefits tailored to suit your needs. Say goodbye to the stress of maintaining a minimum balance, as this account requires no minimum balance requirement. Plus, you won't have to worry about monthly service fees eating into your funds.

With our account, you have the freedom to use any ATM without incurring any fees. That's right, no matter which ATM you choose, it's completely fee-free! We believe in straightforward and transparent banking, which is why we've eliminated any 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 and unlock a world of financial flexibility. Say goodbye to the constraints of a minimum balance requirement and enjoy the freedom of managing your funds without worrying about maintaining a specific amount 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 diverse needs of your business, St. Cloud FCU has you covered with our range of comprehensive business checking accounts. Whether you're a small start-up or a well-established company, we offer tailored solutions to suit your specific requirements. Our business checking accounts provide a host of benefits and features designed to streamline your financial operations.

Order Checks

Ordering checks has never been easier with St. Cloud FCU's convenient and 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.

Choose from a variety of check designs and styles that reflect your unique taste and business identity. With our secure and reliable check printing services, you can trust that your checks will meet the highest quality standards. Say goodbye to the inconvenience of running out of checks and ensure you always have a ready supply for your business transactions. Order checks today and experiences the ease and peace of mind that comes with efficient financial management.