Everyday Spending is a totally free checking account with no minimum balance or direct deposit requirements, and no monthly fee.
High Yield Spending Account
Earn a high yield on all balances up to $50,000 when you meet the monthly qualifications: Combined payroll direct deposits of at least $5,000 and a minimum $1,000 spent on your combined debit and credit cards. There’s no monthly fee or balance requirements! View rates
Premier Spending Account
Let your money work for you with our interest-bearing Premier Spending Account. The low monthly $10 fee is waived with a minimum daily balance of $2,500, or combined savings and loan balances (including mortgage loans) of $20,000. You’ll earn even higher rates with Membership Rewards.
Student Spending Account
Our Student Spending Account is simply free! There are no minimum balances or direct deposit requirements, no monthly fees, and no overdraft fees—we turned off the fee package so college students won’t pay a dime. You even get free unlimited worldwide ATMs! Stanford University students get extra perks, with a Student Referral Program that earns each of you $25, a Student Rewards Credit Card, and special Grad Offers for new and recent Stanford grads.
Student Club Spending
Stanford University’s clubs and associations will find it easy to manage your club’s finances with our Student Club Spending account. There’s no monthly fee or balance requirement. Open your Club account at a local branch or schedule an appointment.
Teen Spending Account
A Teen Spending Account is a great way to help teens age 13-17 learn to manage money. There’s no monthly fee or balance requirement, and you even earn interest (view rates). Your debit card purchases and ATM withdrawals are limited to $500 per day.
Accounts for minors require an adult co-signer, so the parent or guardian must also be a member. You can open a child’s account either in person at a local Stanford FCU branch or via Zoom at our Virtual Branch. You’ll need a copy of your child’s picture ID, Passport or birth certificate.
Bank On Checking
Bank On is a national coalition working to provide safe and affordable bank and credit union accounts for everyone. Stanford FCU’s Bank On Checking account is free and certified to meet the national Bank On standards.
Features
30,000 fee-free ATMs nationwide—or use Membership Rewards to earn unlimited free worldwide ATMs
Get rid of foreign transaction fees with a Visa-protected debit card, which can be instant-issued at any Stanford FCU branch or delivered right to your home
Your debit card is compatible with Apple Pay, Google Pay and Samsung Pay; and comes with ID Navigator Powered by NortonLifeLock™ with smart tools to help protect against identity theft
Free first box of Stanford FCU logo checks
Digital Banking with free services like mobile check deposits, bill pay, and eStatements
Minimal fees and service charges
Membership Rewards
Membership Rewards are designed to reward you for being an active and engaged member of Stanford FCU. You already enjoy the benefits of minimal fees, higher deposit rates and lower loan rates. Membership Rewards provide even greater value!
This is a solid promotion, and SFCU offers low fees on checking accounts, free checks, and ATM fee reimbursements,
especially when you have a relationship with them.
You can easily reach the Ambassador tier and get the best discounts on mortgage and car loan rates.
I’ve personally used SFCU for my mortgage and car loans, with rates under 2%, and I’ve been very satisfied with their service.
Additionally, direct deposits are paid earlier than with most big banks.
Overall, I highly recommend this as a great offer.
