Checking Accounts

Take advantage of our FREE checking account! A minimum deposit of $50 is required to open a checking account and offers all of the following:

  • No Monthly Fees
  • No Minimum Balance
  • Free Direct Deposit
  • Free Online Banking
  • Free Online Bill Pay
  • Free e-Statements
  • Free ATM/Visa Debit Card*
  • Unlimited Check Writing
  • Surcharge-Free Access at Select ATMs
  • Nationwide Account Access through Shared Branching

*Visa debit cards are available for qualified members only. Click here for more information about our debit cards with Apple Pay. To change your PIN number for your debit card over the phone, please call 1-800-992-3808.

Dividends are earned daily (with a minimum balance of $2,500), and they are posted monthly. Checking account statements are mailed monthly.
Savings account with minimum $5 deposit is required before a checking account can be opened.

Overdraft Protection & Overdraft Privilege

Our checking account offers Overdraft Protection, which allows an automatic transfer of funds from another account of your choice for a small fee. 

Overdraft Privilege will cover a check or other electronic item when there are no available funds rather than returning them unpaid.
If your consumer account has been open for at least sixty (60) days, and thereafter you maintain your account in good standing, which includes at least:

  • Bringing your account to a positive balance within every thirty (30) day period;
  • Not being in default on any loan or other obligation to Sabine FCU and
  • Not being subject to any legal or administrative order or levy,

Sabine FCU will have the discretion to pay overdrafts within the overdraft privilege limits, but payment by Sabine FCU is a discretionary courtesy and not a right of the member or an obligation of Sabine FCU and Sabine FCU in its sole and absolute discretion, can cease paying overdrafts at any time without prior notice of reason or cause. Our standard overdraft fee of $30 will be imposed for overdrafts created by checks, ACH, ATM withdrawals, everyday debit card (POS) transactions, in-person withdrawals, or by other electronic means.

Questions? Give us a call at 1-888-319-7328.