We think the last thing a person should have to worry about is how to 
avoid
checking account fees. So we just don't charge any!
Free Checking
The only thing you'll pay for normal use is the cost of your personal checks (if you're age 55 or better, you can even avoid that). So that means:
Alert Me When...
Our Account Alerts service sends you text or email messages whenever conditions you select are met, like balances, check clearings, payment due dates and more. Click here for more details.
Overdraft Protection
Every checking account can enjoy the peace of mind of automatic overdraft protection from your regular share savings account. And for qualified members we have DrafTopper... a low interest, no annual fee line of credit that's the ultimate in protection and peace of mind.
It's So Convenient
Tired of carrying that checkbook around with you? Need to check balances or perform money transactions when our offices are closed? Not to worry, because access to your checking account comes in many forms... from our ATM & Check Card, to Anytime TellerPhone , our e*Branch web-based program, and e*Pay bill payment . Each one gives you the 24/7 control and convenience you deserve.
And a Dividend Too!
Yes, you'll earn interest on your funds any day your balance exceeds our dividend threshold. Surprised? Well... that's just the way member-owned, not-for-profit credit unions work. There really is a difference.
Apply right now for your free checking... just click here.
Easy Switch Kit
Yea -- we know -- switching checking accounts can be a real hassle. But not at Sioux Falls Federal. Our staff can hold your hand all the way -- and check out our online Switch Kit by clicking the graphic below.
