Convenience Services

SBCU proudly offers the following convenience services for its members. Please click on a link for more details about the service.

Surcharge FREE ATM Access

Welcome to the CO-OP, the largest credit union-only ATM Network in the country. As a member of a CO-OP Network credit union, your ATM card provides you with surcharge-free access to 28,000 ATMs nationwide. This includes 9,000 deposit-taking ATMs and 5,500 7-Eleven locations (throughout the U.S. & Canada).

In addition if your ATM card carries the corresponding logos, it can be used at more than 800,000 ATMs worldwide through links to the NYCE, STAR, Cirrus, Pulse and Plus networks. Please remember, only CO-OP Network ATMs guarantee you surcharge-free access to your money. Use the locator below to find one today!

You can locate a CO-OP Network ATM through our Online Locator, Android Application, iPhone Application, Text Messaging or GPS.

VISA Check Card

SBCU’s Visa® Check Card gives you convenient access to your checking and savings accounts, 24/7. As an ATM card, it meets your cash needs (from either checking or savings). As a Check Card, it accesses your checking account funds at millions of Visa locations worldwide, as well as at STAR merchant locations; your approved purchases are deducted from your SBCU Checking Account.

Overdraft Protection

Overdraft Protection is a pre-approved line of credit that covers accidental Non-Sufficient Funds (NSF) items, protecting your valuable credit. And, when you have Overdraft Protection, you can even get an “instant loan” … just write a check, up to your pre-approved limit, whenever you spot a special bargain or need funds! (Subject to credit approval.)

Overdrafts also can be covered via prearranged automatic transfers from your savings account.

Payroll Deduction and Direct Deposit

FREE Payroll Deduction
Deducts funds from your payroll check and allocates them to checking or other pre-selected accounts … automatically! To arrange Payroll Deduction, just ask your employer (subject to availability). Or, ask us for assistance.

FREE Direct Deposit
Automatically deposits the entire amount of your Payroll, Social Security or other federally-recurring checks. To arrange Direct Deposit just ask your employer (subject to availability). Or, ask us for assistance.

Go Direct

Are you getting Social Security, VA or other federal benefits by paper check? Make your life easier, get Direct Deposit on your federal benefits today. To act now, go to

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