Checking Account
How to Apply
Features
With NO monthly fees, NO per-check fees, NO per-transaction fees, and NO minimum balance to maintain, you can have all the benefits of a Serve Credit Union Share Draft (also known as Checking Account) with NONE of the hassles! Be sure to explore all of the below benefits and solutions to customize your very own Serve CU Checking Account!
Requirements
You must be a member in good standing, meaning you have $25 in your Primary Share, and all loans and sub accounts are current.
You must provide a minimum of $25 for the initial opening deposit.
*Account opening is subject to a credit pull
Click “Apply” below to request and customize your Checking Account or call us at (515) 243-2677 or email us at loans@servecu.org
Checks
Checks are a beneficial instrument to have on hand to access funds in your account and to reference your Routing and Checking Account Number.
First order checks on a new checking account are free!
Members 55+ checks are free!
Debit Cards
Qualified members can tap to pay with a Contactless Debit Card! If you have a checking account but do not have a debit card, click here to request one!
Digital Wallet
Add your card to our Digital Wallets such as Apple, Google Pay and Samsung Pay for a seamless digital experience!
Debit Card Roundup Program
Save your spare change! Every time you make a purchase, the extra change is rounded up to the next dollar and deposited into a sub account of your choice. It’s a simple way to save while you spend! If you already have a Checking Account but would like to add this program, complete this form or call us at (515) 243-2677 or email us at info@servecu.org.
Serve CU Apps
Take full control of your cards! Download the Serve CU Cards App to experience card control functions such as lock/unlock, load travel notifications, report lost/stolen, and more!
For more debit card details, visit our Card Services page.
Overdraft Protection Plans
Extra coverage when you need it! Avoid declined transactions by linking your checking account to:
A designated account or
An overdraft line of credit for added peace of mind.
Direct Deposit
Let us be your trusted financial partner by securely handling your paycheck. Setting up direct deposit is simple - request a Direct Deposit Form and submit it to your employer. Enjoy fast, secure, and reliable access to your earnings every payday!
Bill Pay
Convenient and secure one-time or recurring payments at your fingertips!
Please note - you must first enroll in a web browser. Once enrolled, you can access it through our Serve Credit Union Mobile App!
For more information, review our Digital Services.
More Checking Account Details
A tiered dividend structure is paid on all checking accounts with an average daily balance in excess of $1,000. Click here for rates and disclosures.