A Checking Account designed for you!

We offer LOCAL service and checking accounts that fit your needs for any life stage. Whether you are looking for a member focused, no-nonsense account, or an interest-bearing account with all the perks- We have a checking account that fits YOU! Join a credit union that knows you by name. Looking to make a switch? Check out out SWITCH KIT to help you make a smooth transition to Scenic Community Credit Union.
 
family eating dinner


Member Focused Share Draft

Enjoy the benefits you need from a checking account, with NO monthly service fee.

Includes Bank 24/7 Benefits:
  • Free debit card
  • Free to add your card to your mobile wallet
  • Free e-statements*
  • Free Online Banking/Mobile App
  • Free Remote Deposit
  • Free Bill Pay/Person-to-Person
  • Free automated account info and transfers via Smart Teller
  • Free ATM withdrawals at all SCCU and CO-OP ATMs nationwide
  • 12 free starter checks with a $25 deposit to a new Share Draft account
  • COURTESY PAY with Direct Deposit of $300 monthly
  • PRE-APPROVED Overdraft Protection Loans available upon qualification
  • Free Fraud Alerts and Card Alerts
  • Free notary services during business hours**
Non-interest-bearing account.
*If you have not signed up for e-statements, you can do so via Online Banking to avoid a potential $2 paper statement fee.
**Restrictions may apply.
couple in canoe


Member Select TM Share Draft

You deserve the best. Our premium checking account is designed with you in mind. Enjoy a high yield interest checking for any stage of life.

Includes all of the Bank 24/7 Benefits that come with the Member Focused Share Draft account, PLUS:
  • Earn a premium interest rate on your checking when you maintain a balance of at least $1,500*
  • 1 free Skip-a-Loan-Payment per year on eligible SCCU loans
  • 1 free box of basic checks per year
  • 3 free money orders or cashier's checks per year
*$8 monthly service fee ONLY IF balance falls below $1,500 at any time during the month
veteran holding baby


Member Plus Share Draft

Enroll in a checking account that checks the boxes for military members (active and retired) and members age 55 and up. 

Includes all of the Bank 24/7 Benefits that come with the Member Focused Share Draft account, PLUS:
  • Earn interest on your checking when you maintain a balance of at least $100*
  • 10% discount on every check order
  • 2 free money orders or cashier's checks per year
Perfect for those looking for military banking or veteran banking options. 

*$4 monthly service fee ONLY IF balance falls below $100 at any time during the month
Co-Op shared branch logo

From coast to coast, you’re welcome at branches and ATMs wherever you see the CO-OP logos. That covers a lot of territory—whether you’re across town, or traveling far from home for business or pleasure. Your credit union membership means you can:

  • Use nearly 30,000 surcharge-free ATM locations—more than some of the biggest banks offer
  • Take advantage of surcharge-free ATMs at convenient places like 7-Eleven® and Costco®
  • Visit over 5,600 convenient Shared Branch locations covering all 50 states – simply have your credit union name, account number, and a government ID and you’ll have access to your accounts
  • Easily locate ATMs and branches through any of our locator tools—including phone, mobile app or Internet


Find a shared branch or surcharge-free ATM right now at www.allco-op.org or call 1-888-SITE-CO-OP.



Need to order checks?

You can order your checks here! If this is your first time to order checks, please order with our member services mbrserv@mysccu.com or call (423)875-6955. 

Setting up or changing your Personal Identification Number (PIN)

  • When you call the phone number to activate your card, stay on the line to set up your PIN. 
  • If you need to change your PIN later, just call 1-866-985-2273, enter your card number, and follow the prompts to reset your PIN.
  • Be sure to keep your contact information up to date with Scenic Community Credit Union because the automated system will use caller ID to protect your security.