Minimum Opening Deposit
A $25.00 deposit is required to open this account.. Most Marylanders are eligible for SECU membership through a family member, employer, or past affiliation.You must also have a Share Savings Account with at least a $10 balance to be a member (see savings account details).
$25.00
Monthly Service Fee
The Monthly Maintenance Fee of $5.00 can be waived if any of the following criteria are met:- You are age 25 or younger;- You are age 70 or older;- You utilize Direct Deposit and Online Statements;- You have 15 or more debit card purchases per statement cycle.
$5.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Surcharge-Free ATM Access
Surcharge-free ATM access is available at all Allpoint and Co-Op Network ATM locations.
Yes
Non-affiliated ATM Usage Fee
There is a $1.00 fee when using a non-affiliated ATM.
$1.00/per use
International ATM Usage Fee
There is a fee calculated as a 1% of the total amount withdrawn.
$0.00
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, deposit checks, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, deposit checks, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on the iPhone and Android mobile application.
Free
Person-to-Person Payments
Free thru Zelle
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- The bad news that your account balance is below $0;- An email to let you know your checks have cleared.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$5.00 fee waived if receiving eStatements
$5.00/month
Check Images with Statements
There is an $5.00 per item fee for each canceled check or image included with your monthly statements.
$5.00/check
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $30.00 per overdraft.
$30.00/per item
Overdraft Protection
This checking account has four options for Overdraft Protection.From a linked Savings Account:- Funds are transferred to bring the account balance to $0.00;- No transfer fee.From a linked Money Market Account:- Funds are transferred to bring the account balance to $0.00;- No transfer fee.From a linked Checking Account:- Funds are transferred to bring the account balance to $0.00;- No transfer fee.From a linked Line of Credit:- Funds are transferred to bring the account balance to $0.00;- No transfer fee.
Available
About SECU (Maryland)
SECU is a not-for-profit, member-owned cooperative, which means we pass profits on to our members in the form of lower loan rates, lower fees, and higher deposit rates. Our vision is to make a positive contribution to the financial well-being of those we serve. Most Marylanders are eligible for SECU membership through a family member, employer, or past affiliation.