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Advantage Checking

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Secure Your Peace of Mind

Peace of mind. It’s one of the most important benefits a financial institution can provide. With unrivaled security and smart savings – it’s simple! With Advantage Checking it’s easier to help protect your finances, save money on everyday purchases and enjoy your life. That’s something you can count on.

Earn Monthly Dividends:

We love seeing our members crush their goals! Earn 5.50% APY* on your Advantage Checking Balance3 up to $20,000.00 by doing the following:
  • Maintain at least $1,000 in recurring direct deposits going into your SSSCU account each statement cycle.4 AND Make at least 20 SSSCU Visa® Debit Card purchases each statement cycle.
Existing Member?  Click here to access your Advantage Checking benefits

Not a member?
Apply Now Check Rates

Advantage Checking delivers all this and more:

  • IDProtect® Identity theft protection with credit file monitoring - Better protect yourself and your family with IDProtect® identity theft monitoring and resolution service1, that includes credit file monitoring and alerts of key changes with Experian, ability to request a single bureau credit report every six months or in the event they have suffered an identity theft event and have opened a resolution case, and up to $10,000 in identity theft expense reimbursement.2 (Registration/Activation Required)
  • Rideshare Protection2 - Receive up to $100,000 of accidental death and dismemberment coverage and $10,000 of accident medical expense benefit of injured while traveling in a vehicle operated by a Transportation Network Company. Not available to residents of MO, NY, and WA. (Travel costs must be paid using this checking account or credit card issued by SSSCU.)
  • AD&D Insurance2 - Receive up to $10,000 of Accidental Death & Dismemberment Insurance. (Coverage divides equally on joint accounts and reduces by 50% at age 70.)
  • Debit Advantage® - Receive Buyer’s Protection2 and Extended Warranty2 for items purchased with this account. (Item(s) must be purchased entirely with eligible account.)
  • Cell Phone Protection2 - Receive up to $600 of replacement or repair cost for damaged or stolen phones. (Cellular telephone bill must be paid through this account.)
  • Health Discount Savings: Enjoy great savings on popular vision, dental, and prescription services. "This is NOT insurance." (Registration/Activation Required)
  • $hopping Rewards™ - Earn cash rewards when you shop online at dozens of your favorite retailers. (Registration/Activation Required. Available online only.)
  • Travel & Leisure Discounts - Save big with deep discounts at thousands of local and national businesses. (Available online only)

Additional Benefits:

  • 1 box of checks per year with unlimited check writing.
  • 1 Cashier’s Check or Money Order per month.
  • 1 Instant Issue Debit Card per year.
  • First 6 non-SSSCU ATM withdrawal fees waived per month.
  • Includes e-Statements5
  • Chip-Enabled Visa® Debit Card with Visa Purchase Alerts (Learn More & Enroll in Visa Purchase Rewards)
  • Online BankingMobile Banking
  • Purchase Rewards

Additional details:

  • $6 Monthly Maintenance Fee
  • No minimum deposit to open
  • Access to partner credit union locations through a shared network
  • Checking privilege options
  • American Share Insurance insures each account up to $250,000. Excess Share Insurance Corporation provides up to an additional $250,000 of insurance per account


1 Benefits 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.
*Annual Percentage Yield (APY).
No 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
3Advantage 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.
4Examples 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.
5$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.