Imagine a world without unnecessary fees. Now imagine a “free checking” account that is legitimately free of unavoidable fees. That’s the benefit of banking with Sioux Falls Federal Credit Union (SFFCU).

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Transparent Fees

SFFCU prides itself on offering its valued members the fee-free checking they deserve. That’s why we keep them to a bare minimum. Take a look at how they stack up compared to the average bank.

Features The Average Bank SFFCU
Required Opening Deposit $100 $0
Minimum Daily Balance Fee $5.95/month $0
Overdraft Line of Credit Access $3/transfer $0/transfer
Bill Pay Fee $8/month $0
Nationwide Fee-Free ATM Access Avg. 23,000 locations 88,000+ locations


ATM/Checkcard Access

Each checking account comes with a free checkcard to be used online, at brick-and-mortar stores and at ATMs nationwide—more than 88,000 of them without fees. There are no monthly or transaction fees for using it, and it’s usable wherever Visa® Debit Cards are accepted.

Verified by VisaYour SFFCU check card is equipped with Visa Secure - a free, simple-to-use service that confirms your identity with an extra password when you make an online transaction. To learn more click here.

Lost or Stolen Card

For member service or to report a lost or stolen card call 605.334.2471 or 800.568.5711.

After business hours, call 800.236.2442.

Online/Mobile Services

There's no need to hustle over to a branch to get your basic banking needs taken care of. Here's the array of things you can get done in our online banking platform or the SFFCU mobile app:

  • Check balances
  • Pay bills
  • Open new accounts
  • Transfer funds
  • Reorder checks
  • View statements
  • Make loan payments
  • Set up text/email alerts**

Learn More

Direct Deposit

It’s easy to get your paycheck funds directly into your account. Access your money faster by bypassing a paper paycheck. Just have the routing number and account number from the bottom of your paper checks handy, and you can submit your direct deposit form to your employer.

Download the Form

Payroll Deduction

Why not let us take care of those recurring transactions - and you can just enjoy your paydays.

We can arrange -- through your employer payroll office or by automatic transfer here at the credit union -- to make your loan payments for you. We can also help you save on a regular basis with transfers to regular savings, Christmas club or other special share accounts, your IRA shares, or put money into the kids' accounts.

In addition to saving you the time spent making these payments and deposits yourself, Payroll Deduction never "forgets".

Overdraft Protection

A backup plan is always helpful. That’s why we offer a line of credit specifically for overdrafts so you don’t have to worry about being charged a fee when you accidentally overdo your spending. There’s no cost to add it—you just pay a minimal interest rate when (or if) you use it.

Sign Up

Interest Earned

There’s nothing like earning a little extra dough for doing next to nothing! Your SFFCU checking account can also earn dividends—it’s one of the many benefits of being a credit union member.

See Current Rates

**Standard text/data rates may apply.