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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 protect your finances, save money on everyday purchases and enjoy your life. That’s something you can count on.

Existing Member?  Click here to access your Advantage Checking benefits

Not a member?
Apply Now Check Rates

Your new 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 monitoring2 and alerts of key changes with Equifax, Experian, and Transunion, ability to request a 3-in-1 report every 90 days or upon receipt of a credit alert, and up to $10,000 in identity theft expense reimbursement.3 (Registration/Activation Required)
  • AD&D Insurance3 - Receive up to $10,000 of Accidental Death & Dismemberment Insurance.
  • Debit Advantage®3 - Receive Buyer’s Protection3 and Extended Warranty3 for items purchased with this account.
  • Cell Phone Protection3 - Receive up to $400 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. (Registration/Activation Required)

Earn Monthly Dividends:

We love seeing our members crush their goals! You can earn monthly dividends on your Advantage Checking Balance5 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.6 AND Make at least 25 SSSCU Visa® Debit Card purchases each statement cycle.

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-Statements4
  • 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 IDProtect service is a personal identity theft protection service available to personal checking account owners, their joint account owners and their eligible family members. The service is available to non-publicly traded businesses and their business owner(s) listed on the account and their eligible family members (service not available to employees or authorized signers who are not owners). Service is not available to a “signer” on the account who is not an account owner. Service is not available to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s) and their eligible family members. For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member, and their eligible family members (Fiduciary is not covered). Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household. Some of the benefits with IDProtect require registration and activation.
2Credit file monitoring may take several days to begin following activation.
3Special 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.

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
4$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.
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 25 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.

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.