Share Draft Accounts (Checking Accounts)

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Checking Accounts

Easy to access and easy to manage, your money is always right at your fingertips. And if you like checking that’s absolutely FREE, you’re absolutely in luck!

Routing Number: #291479929

No frills, no fees, and it’s totall free!

Our suite of electronic services provides convenience, too!  From ItsMe247 Online Banking with Bill Pay to $napChek – our mobile deposit service and our Visa debit cards, managing your money is a simple click or swipe away.

As a member of Sioux Empire FCU, you can open a dividend-bearing checking free of charge. A dividend bearing checking account has an average daily balance of $1,000 accruing at a set rate. You have the same benefits of our basic checking with the dividend-bearing checking. Dividend-bearing checking benefits you in ways that your regular checking doesn’t. You can keep a large sum of money in your checking, so you don’t have to worry about forgetting to transfer money over and still earn dividends on the money that is sitting there.

Should your balance in the Dividend Bearing Checking Account ever fall below $1,000, a monthly service fee of $5.00 will be applied.

The Money Market Share Draft Checking Account is similar to the Dividend Bearing account above but is for those members who wish to be more liquid with their finances. This account requires a minimum balance of $10,0000.

Should your balance in the Money Market Share Draft Checking Account ever fall below $10,000, a monthly service fee of $10.00 will be applied.

Enjoy convenient, 24/7 worldwide access to your share draft accounts. Your Advantage EMV Checkcard with ATM access takes the place of a check and can be used wherever VISA debit cards are accepted—pulling funds directly from the share draft account to pay for purchases. The CheckCard can also be used to access share and share draft accounts at ATMs. You can even choose your own style from a variety of options!

Tips for keeping yourself and your finances safe when using an ATM can be found in this article

To read more details about Advantage Checkcards/Debit Cards, review this brochure.

All Sioux Empire FCU branches have an ATM located in their drive-up. To discover more Advantage Network ATMs, utilize the ATM Locator.

Visa Perks
Visa Perks are easy to browse and easy to redeem! All Advantage Checkcards are eligible for Visa Perks. Just choose “Debit” from the “All Payment Types” drop-down menu and scroll down the page. Click on an offer to get more information, including redemption instructions. Discounts and offers are available online, in-person, or both.

Automatically save the “spare change” from your debit card purchases in a designated account. Has saving ever been easier than this?

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