ADVANTAGE CHECKING
OUR PREMIUM ACCOUNT EARNS DIVIDENDS AND OFFERS GREAT PERKS
Safeguard yourself from fraud with identity theft protection and credit monitoring—and get a range of discounts, rewards, and more.
GREAT DIVIDENDS, LOW FEES. IT'S THE BEST OF BOTH WORLDS
Earn APY3 on your Advantage Checking balance4 up to $20,000.00 when you meet these two criteria:4,5
- Maintain at least $1,000 in recurring direct deposits going into your SSSCU account each statement cycle.4
- Make at least 20 SSSCU Visa® Debit Card purchases each statement cycle.
All with a monthly maintenance fee of just $66.
EVERYTHING YOU NEED FROM A CHECKING ACCOUNT— AND MORE
An identity theft monitoring and resolution service that includes credit file monitoring and alerts for key changes on your Experian credit report. You can also request a single-bureau credit report every six months, or any time you open a resolution case as a victim of identity theft. And you’ll get up to $10,000 in reimbursement for qualifying identity theft expenses. (registration/activation required)
Receive up to $100,000 of accidental death and dismemberment coverage and up to $10,000 of accident medical expense benefit if you are injured while traveling in a vehicle operated by a Transportation Network Company. Your travel costs must be paid with this checking account or a credit card issued by SSSCU. This service is not available to residents of MO, NY, and WA.
Receive up to $10,000 of 24-hour accidental death and dismemberment coverage. This coverage divides equally on joint accounts and reduces by 50% at age 70.
Get buyer’s and extended warranty protection for items that you purchase entirely with this account.
Receive up to $600 for replacement or repair costs for damaged or stolen mobile phones when your mobile phone bill is paid through this account.
Get great discounts on vision, dental, and prescription services to reduce your out-of-pocket medical expenses. This is NOT insurance. (registration/activation required)
Get cash back when you use our custom shopping portal to shop with your favorite online retailers. (registration/activation required; available via mobile or web only)
Deep discounts at thousands of local and national travel and leisure businesses. (available via mobile or web only)
Get one free box of checks every 12 months and enjoy unlimited check writing.
Get one free cashier’s check or money order per month.
We’ll waive the fees for your first six non-SSSCU ATM withdrawals each month.
INCLUDED WITH ALL OUR CHECKING ACCOUNTS
- No minimum deposit to open
- Online Banking & Bill Pay
- Mobile Banking
- Contactless Visa® Debit Card with Purchase Alerts and Rewards
- Access to Shared Branching locations
- Access surcharge-free ATMs
- Unlimited checking writing
- eStatements
- Overdraft Privilege services
- Insured up to $500,000
VISA® DEBIT CARD
- Contactless, chip-enabled transactions
- Digital wallet with Apple Pay, Google Pay, Samsung Pay, FitBit Pay, and Garmin Pay
- Purchase Rewards
- Purchase Alerts
CHECKING ACCOUNT FAQs
Yes. With a General Membership, you can open checking savings, and money market accounts. Anyone who lives in Nevada can join! Learn more about how to qualify for a Silver State Schools Credit Union membership.
The Silver State Schools Credit Union service area is the entire state of Nevada. While our core membership is comprised of those involved in the educational industry, such as employees, volunteers, students and parents of students, anyone can become a member. Learn more about how to qualify for a Silver State Schools Credit Union membership.
There is a $6 monthly maintenance fee for Advantage Checking.
There is a $5 paper statement fee, which can be waived when you sign up for eStatements. The paper statement fee is also waived for members 60 and older. You may be charged a fee in other situations, including non-sufficient funds and returned checks.
There is no fee for using your debit card at a Silver State Schools Credit Union ATM or other ATMs within the Shared Branch and Allpoint Network. To find Silver State Schools ATMs and other fee-free ATMs, visit our Locations page. However, if you use your debit or ATM card outside of our network, you may be charged a fee.
EXPLORE OUR ACCOUNT OPTIONS
Basic Checking
Checking accounts in Las Vegas and the entire state of Nevada, with ATM access nationwide. Includes a Visa® debit card, mobile banking and more.
MyAccount Checking
Our checking account for students and young adults age 25 and under, with Online and Mobile Banking and a contactless Visa® Debit Card.
Regular Savings
Opening this account gives you access to SSSCU membership, products, and services—and you earn dividends on your balance.
SET YOURSELF UP FOR FINANCIAL SUCCESS
Learn more about how to manage your money and increase your financial wellness.
How to Prepare for College Life
Practical advice on how to manage your money during college so you can enjoy this new adventure!
How to Start Managing Your Debt in Two Simple Steps
Key strategies to get yourself on the path to financial freedom.
Two Easy Ways to Save for Retirement
Effortless, yet effective methods to start saving for your golden years.
1Benefits are available to personal checking account and their primary account owner and joint account owner(s) subject to the terms and conditions set forth in the Guide to Benefit and/or insurance documents for the applicable Benefits. Some Benefits require authentication registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, schools and their employees/students.
2Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the insurance document. Insurance Products are not insured by any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.
3Annual Percentage Yield (APY).
4No minimum balance to open or earn dividends. Fees may reduce earnings on the account. This is a variable rate account. Rates may change at any time without notice after account opening. For current rates please visit silverstatecu.com/rates
5Advantage Checking accounts can earn dividends on the first $20,000.00 of the checking account balance each statement cycle when you meet the following qualifications: Maintain at least $1,000 in recurring direct deposits going into your SSSCU account each statement cycle AND make at least 20 SSSCU Visa® Debit Card purchases each statement cycle.
6Examples of recurring electronic direct deposits may include payroll, Social Security, pension, disability, veteran benefit payments. See Rate Addendum and Schedule of Fees and Charges for more information. For current Advantage Checking rates please click here.
7$5.00 paper statement fee per statement cycle. Fee waived if account holder is 60 years of age or older or if eStatement service is active.
Data and other wireless carrier charges may apply when accessing Online and Mobile Banking via a wireless device.
Individuals seeking SSSCU membership must meet membership requirements. To determine membership eligibility, please click here. Membership at SSSCU requires a savings account with a minimum balance of $25.00
Membership eligibility is required. Must be a Silver State Schools Credit Union member to borrow. Membership at SSSCU requires a savings account with a minimum balance of $25.00.
