Online Banking
Manage your money at any time with 24/7 access.
Explore Checking Accounts
We offer local banking services and checking accounts that fit your needs. Are you ready to switch to Scenic Community Credit Union? Check out the Switch Kit to help you transition smoothly.
Benefits Overview
Enjoy a checking account that checks all the boxes. Scenic Community Credit Union offers accounts for individuals looking for a traditional, non-interest-bearing checking account, someone looking to earn interest on their checking account, military and veteran banking, and an account for members 55 and up.
Mobile App
Access your account from anywhere with our mobile app.
Bill Pay w/ Checking
Pay your bills securely online from your SCCU account.
Co-Op ATMS
Access nearly 30,000 surcharge-free ATMs nationwide.
Remote Deposit
Deposit checks with your phone no matter where you are.
Notary Services
Members enjoy free access to in branch notary services.
Smart Teller
Access free automated account info and funds transfer.
4 Local Branches
Meet with our team of experts at four convenient locations.
Member Focused Share Draft
Our Member Focused Share Draft is designed for someone looking for a traditional, non-interest bearing checking account.
Member SelectTM Share Draft
Our Member Select ™ Share Draft is for individuals looking to earn interest on their checking account.
Member Plus Share Draft
Our Member Plus Share Draft account is perfect for members 55 and up, military and veteran banking.
Read what others are saying
★★★★★
“Best credit union/bank, the tellers are all so personal and know you by name. You're not talking to someone behind a computer monitor. They are fast and courteous… 5 stars all day.”
- Jill, Chattanooga, TN.
Checking Account FAQ
Can I link my checking account to a savings account for automatic transfers?
You can automate transfers from your checking account into any Savings account, Money Manager or Share Certificate account. You can also link your Savings account to your Checking account to provide overdraft protection, transferring money in the event of an NSF call on your account.
How quickly are funds available after a check is deposited?
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.
Are there any fees for using out-of-network ATMs?
Scenic Community Credit Union will charge $2 fee to use your SCCU card out of network. We encourage you to use our CO OP Shared Branching Network with over 30,000 ATM’s for your convenience.
Are there any rewards or cashback programs for using the debit card?
Not at this time, however, we do offer member benefits to maximize your savings. Visit https://www.mysccu.com/
Explore More Accounts
Savings Accounts
Explore our savings account options to secure your future today. When you open a savings account with SCCU, you don't just get a great rate and peace of mind - you also become an owner of SCCU with a say in how we do business.
Individual Retirement Accounts (IRA)
Whether you're just starting to save for retirement, receiving a pension plan payout, preparing to retire soon, or setting aside funds for your child's education, an SCCU IRA can help you achieve your financial goals.
Credit Cards
Make the purchases you need, anytime and anywhere, with an SCCU credit card. Whether you're a seasoned credit card user or building your credit for the first time, we have options tailored for you.