Checking Accounts

Features

At Sunrise Family Credit Union, our checking accounts are designed to simplify your life. Whether you’re managing daily expenses or planning for the future, you get:

• NO MINIMUM BALANCE REQUIREMENTS. 
  Enjoy the freedom of no monthly service fees, regardless of your balance or how often you use your account.
• CONVENIENT & ONLINE.
  Manage your money on your schedule with Online Banking, Bill Pay, and our Mobile App.
• NEED CASH?
  Access nearly 30,000 surcharge-free ATMs nationwide through the CO-OP Network.

To order a Debit Card, call (989) 684-1730 or visit any of our branches to receive card instant issue (M-F).

Important: If your card is lost or stolen, contact us immediately. For after-hours assistance, call (888) 918-7845. Planning a trip? Contact the credit union before you travel to ensure uninterrupted service, or update your travel plans directly in our mobile app through Sunrise CardSecure+.

Ready to start saving? It’s easy! Enroll now or call us at (989) 684-1730. 

Here’s how it works: Each time you make a purchase, we round the transaction up to the nearest whole dollar. The difference is then transferred directly into the SFCU savings account you choose under the same account number.

Important Notes:

• Ensure you have sufficient funds in your checking account for the transfer to occur.
• You are free to opt-out or change your settings anytime by contacting us.

Simple, Stress-Free Banking

Whether you’re managing everyday spending or running a small business, we’ve made banking straightforward. Our checking accounts are built to give you easy access and the tools you need to stay on top of your money—anytime, anywhere.

Account Benefits

• No monthly service fees and no per-check fees.
• No minimum balance required to keep your account open.
• 24/7 access via your MasterMoney Debit Card and Mobile App.
• Free Virtual Branch online banking, including Bill Pay.
• Remote Check Deposit through our Mobile Banking app.
• Retiree Perk: Receive 3 orders of basic checks at no charge each year.
• Overdraft Coverage: Protection available through a line of credit or automatic transfers from savings.

FAQs

How do I set up Direct Deposit?

You can set up Direct Deposit by providing your employer with your SFCU routing number and your specific checking account number. You can find a pre-filled form in our Online Banking portal.

I was expecting a Direct Deposit, but it has not posted?

Deposits are posted as soon as we receive the funds from the originator. If you have Early Direct Deposit enabled, it may post up to two days early. If it hasn’t arrived, please verify the status with your employer’s payroll department.

Can I have a checking account for my business?

Yes! We offer business checking solutions designed to help local entrepreneurs manage their cash flow with the same low-fee structure as our personal accounts.

What information do I need to send a wire to my SFCU account?

You will need our ABA routing number, the credit union's physical address, and your full name and account number. Please contact us for the specific wire instructions.

When will I receive my debit card?

New or replacement cards typically arrive via mail within 7–10 business days.

How do I activate my new debit card?

You can activate your card by calling the activation number on the sticker of your new card or by performing a PIN-based transaction at any ATM.

How does a debit card work?

Your debit card deducts funds directly from your checking account. It can be used for "Credit" (signature) or "Debit" (PIN) transactions at retailers and for cash withdrawals at ATMs.

What is my checking account number?

Your full account number can be found on your monthly statement, at the bottom of your physical checks, or by logging into Virtual Branch Online Banking.

How can I transfer funds from my SFCU account to another financial institution?

You can use the "External Transfers" feature within Online Banking or use a P2P service like Popmoney to send funds securely to other institutions.

What should I do if I lose my debit card?

Immediately lock your card using the SFCU Mobile App in the Sunrise CardSecure +. During business hours, call us at (989) 684-1730. For after-hours support, call (888) 918-7845.