Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

  • Open with $25 minimum deposit
  • No minimum balance or monthly fees
  • Unlimited check writing and debit card access
  • Funds federally insured up to $250,000

Note: This account does not bear dividends. For dividend-bearing checking options, see all checking.


A Debit Card Designed For You

Debit cards are available with all SACU checking accounts.  Choose from an SACU, Spurs or UTSA Rewards Debit Card design – all exclusively from SACU.  Access funds at ATMs, including SACU ATMs in the San Antonio and Houston areas, and make purchases anywhere you see the Mastercard® logo.

Use your SACU debit card with your digital wallet at participating retailers.  Just add your SACU debit card to Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device.

You'll earn rewards with every purchase with the SACU debit card rewards program, with no annual fees. Simply choose the Credit option when using your card and you'll earn rewards at a rate of one point for every $2 you spend. Track points and redeem them for things like airline tickets, travel packages and merchandise by visiting www.scorecardrewards.com.

Note: San Antonio Spurs and UTSA debit cards are available at any SACU branch location.


Your Insured Funds

As an SACU member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

More Details:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 1-800-688-SACU (7228) for further information on your insured funds.

Join SACU and become a member today

My Generation Checking

Want an account that works harder for you without monthly fees? Meet four simple requirements to earn a special, high dividend rate and skip ATM fees.

50 Gold Checking

Try a checking account specially designed for members age 50+ with no monthly fees, easy dividends, and extra perks.

SACU Rate Preferred Visa®

Look no further for a no annual fee credit card with great rates.