Checking Accounts We know that a checking account is a very important part of your active life, and to meet the demands active lifestyles create, we offer four simple, low-cost checking solutions, each easily accessible with Online Banking. And for Free and Conventional Checking accounts, take advantage of the convenience of overdraft protection, the CheckCard and Privilege Pay. All you’ll need to get started is a $5.00 membership share purchase!   Free Checking You never have to worry about keeping a balance with State Central’s Free Checking account. And, you don’t have to worry about paying any account fees. With State Central’s Free Checking, you’ll receive a straightforward checking account with no complications! Learn More  |  Apply Now     Fresh Start Checking Have you had trouble getting a checking account in the past from another bank or credit union? State Central can help with the Fresh Start Checking Account! For a low monthly fee, you’ll be able to have a checking account to help you get your finances back on track! Learn More  |  Account Fees  |  Apply Now     Conventional Checking Style your checking account to best fit the way you use it with State Central’s Conventional Checking. Keep as little or as much as you want in the account; avoid fees with a balance of $500 or more. Earn dividends (interest) with balances of $2,500 or more. Learn More  |  Check Rates  |  Account Fees  |  Apply Now     CheckCard Pay for purchases anywhere with the power of VISA! You can also make deposits and withdrawals with your CheckCard at the ATM. CheckCards are available on Free and Conventional Checking accounts. Learn More     Privilege Pay Your “safety net” to cover overdrawn checks, debit purchases, ACH transactions and Online Banking bill payments! For a nominal fee, Privilege Pay will cover the amount of a transaction, up to $500, with no embarrassment, no hassle and no questions asked. Learn More  |  Account Fees     Overdraft Protection Your State Central savings account can provide overdraft protection for your Conventional Checking account. Check amounts will be automatically transferred from your savings account when your checking account balance will not cover the amounts. For added protection, you can use a personal line-of-credit loan to cover insufficient Free or Conventional Checking account funds. Learn more about savings account overdraft protection    Learn more about line-of-credit overdraft protection  |  Apply Now     Health Savings Checking Save for future medical expenses and enjoy tax- and penalty-free withdrawals thanks to State Central's Health Savings Checking Account! Your contributions to a State Central Health Savings Checking Account are tax deductible. Use the Health Savings Account (HSA) Debit Card, powered by VISA, to easily make withdrawals to cover qualified medical expenses. Learn More  |  Check Rates  |  Account Fees  |  Apply Now     Back To Top