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Checking Accounts


  • We don’t punish you for occasionally overdrawing because Bounce Back Checking gives you $50 toward fee reversals each year. NO QUESTIONS ASKED.
    • Check Copies
    • NSF Fee
    • Courtesy Pay/Overdraft
    • Returned Item
    • Stop Payment
    • Statement Copy**
    • ACH Overdraft
    • Debit Card Replacement
    • Debit Card Overdraft
    • PIN Reissue
    • Coin Machine Fee
    • Apple Pay/Google Pay/Samsung Pay
  • No Minimum Balance Requirement.
  • No Monthly Service Fee.
  • Unlimited Check Writing.
  • Southern Chautauqua FCU App available for Android and Apple devices- SCFCU at your finger tips.
  • Remote Deposit Capture.
  • Free Visa® Check Card (EMV Chip Debit Card)
  • Carefree Direct Deposit.*
  • 24 hour On-Line Banking
  • On-Line Bill Pay.*
  • 24 hour Telephone Banking.
  • Free Monthly Statement-both paper and e-Statements*.
  • Overdraft Protection.
  • 1 box of Free Checks every 12 months.
  • Free Limited use of SCFCU ATMs; $1,000/day.
  • Free Transfers Between Accounts*.
  • MobiMoney App (Personalize your debit card)

*Some restrictions apply.  See disclosure documents for full details.  

**Fee charge on duplicate statements only.

Overdraft Services Consent Form

Quick Reference Guide

Debit Card Guide

Student Checking Accounts

Now is the perfect time to open a Student Checking Account!

  • Designed for the working, student member aged 16 and older.
  • Does not require a joint account holder, as long as parent/guardian permission is granted.
  • Comes with one debit card for the student.
  • Safe.
  • Convenient.
  • Southern Chautauqua FCU app for your smartphone and Apple or Android devices.
  • Have your account information at your fingertips whenever and wherever you need it.
  • Free box of checks.

For more information, call (716) 665-7000.


168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

Open today · 9:00 am – 5:30 pm

View branch locations


Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect. It will use its resources wisely and be held accountable to its members.