Checking Accounts


  • We don’t punish you for occasionally overdrawing because Bounce Back Checking gives you $100 toward fee reversals each year. NO QUESTIONS ASKED.
    • Copy of Member Check
    • NSF Fee
    • Courtesy Pay/Overdraft
    • Deposited Item Return
    • Stop Payment
    • Statement Copy**
    • ACH Overdraft
    • Debit Card Replacement
    • Debit Card Overdraft
    • Coin Machine Fee
  • 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)
  • Apple / Google / Samsung Pay compatible
  • Transfer funds from other credit/debit cards to your account ($7.50 Fee).

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

**Fee charge on duplicate statements only.


 Overdraft Services Consent Form

  Quick Reference Guide - English

Quick Reference Guide - Spanish

Debit Card Guide - English

Debit Card Guide - Spanish

Student Checking Accounts

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

  • Designed for the working, student member 10th grade or older.
  • 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.

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

southern chautauqua fcu logo


168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

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