We work hard to present you with accurate checking account information on this page. However, this information does not originate from us and therefore we cannot guarantee its accuracy. You can check the details page of each offer for the date the information was last updated on WalletHub. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicants' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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I really like the SECU! They have always been nothing but helpful to me. I love that the tellers actually get to know you and you are treated like an individual rather than a number. HOWEVER, I wasn't too impressed that they don't seem to have a mobile app. I personally need a mobile app in order to do my banking. It seems that the only way to achieve what I need to, I would have to either go in or log in online. I had a little trouble with my online username and do not have the time to Because of this, I use another bank for my daily banking needs.…read more
My husband and I have had both a checking and savings account with NCSECU for 12 years. They have always been honest and fair with us. The low fees, and sometimes complete lack of fees, are wonderful! I love that they know who I am when I walk into my branch. I am always treated with kindness and respect.
We've had a SECU checking account for about ten years. After dealing with the big banks and all their fees, I was looking for something less expensive. After all, shouldn't a banking institution be privileged to have you as a customer? SECU checking is definitely a no frills account, but that's all we need. I can schedule automatic bill paying, move money through the mobile app, and do pretty much anything I could at my larger bank. The price I pay is $1.00 per month. There's no weird conditions that have to be met in order to maintain the low monthly fee. I have nothing negative to say about SECU's services, and I recommend my credit union to anyone who'll listen.…read more
Ever since getting out of school, I’ve been a member of SECU – and couldn’t be happier. I don’t do much banking outside of the state, so I’ve never had a problem with them not fulfilling any services I need. My experience with the local branch has been fine, and the online services are convenient. The Fat Cat service is pretty handy for getting rid of spare change, too! Right now, I have my checking and IRA accounts through them, and I wouldn’t think about switching to another bank.…read more
I have had SECU since I married my husband 3 years ago. I have to say it is the best bank out there. We receive all of our paychecks earlier than most banks. If there is a holiday coming we can sometimes receive our checks a few days before they are due. In another bank I had I once didn't receive my check until after the holiday. I was irritated needless to say. I don't see myself leaving the SECU anytime in the future. The benefits are wonderful.…read more
This is the best bank I have ever used. I have been with this bank for over ten years and I have no intention of switching. Their online balance check system is simple and fast. The staff is always friendly and has resolved all problems in an efficient manner in the past.
The SECU is the only banking institution I've had my entire life. I've compared others and I can't even imaging switching companies... Their rates are low, their customer service is ALWAYS outstanding and they're incredibly convenient. They over overdraft protection with my checking account too. I'm going to be lost without them when I have to move out of North Carolina! I couldn't ask for anything more from a banking institution.
We have been banking with State Employees Credit Union for 3 years now and we really love them. When I lost my debit card they were very prompt in replacing it and were diligent about keeping an eye on my account for fraud. When we were looking to buy a house the mortgage process was very easy and the rates were very competitive. I highly recommend SECU.
Since I have been with SECU, I haven't run into any serious issues with my checking account. Other banks tend to “top load” charges where the most expensive one comes out first with the others being used to obtain overdraft fees and charges. SECU does it based upon when the transaction occurred, and if you do go into the negative, they are not immediately coming after you for fees. They allow you the opportunity to make it right.…read more
I recently relocated to North Carolina from out of state and, after doing my research, decided to open an account with NC SECU. It was by far the easiest experience I've ever had opening a new account. In under an hour, I was set up with a new Checking and Share Account, a debit card, and an extra cash access card. Not only has the customer service been excellent every time I've been back since, the perks of both of my accounts are very competitive. My Share account earns at a competitive .75% interest rate and has a very low minimum required balance, I only pay a $1 per month maintenance fee, and accessing ATMs in their service area is easy. Overall, I'm very satisfied with my Checking and Savings accounts.…read more
Generally, credit unions and banks will perform a credit check when applying for a checking account. Unfortunately, this information is not made available on SECU’s website. Please call customer service at 888-732-8562 for more details.
In the event that in a given week, for this product, there were multiple applicable rates in our database based on different criteria, the above graph reflects the lowest interest rate recorded. Before submitting an application, always verify with the issuing institution (i.e. bank, credit union, other lender) the rates, fees, and all terms and conditions accompanying the application.