Checking Accounts

The very nature of SECNY has been to serve its schools, students and their families, thus serving a very important part of the Central New York Community. We offer membership to any person working, living, worshipping, attending school, businesses and legal entities in Onondaga, Madison, Oswego and Cayuga counties. Checking Accounts are made easy at SECNY, with multiple ways to access your account and no monthly maintenance fee!

Open a Checking Account

MasterCard Debit Card

Discover the added benefits with the SECNY MasterCard Debit Card!
Use in-store, online or as an ATM card! Card may be used everywhere MasterCard is accepted.

Mobile Wallet Pay

SECNY is pleased to announce that you can now use your SECNY MasterCard® Debit Card with Apple Pay, Google Pay & Samsung Pay. With a quick tap of your device, you can use your SECNY MasterCard® Debit Card to pay at millions of merchant locations that accept touchless payments.

Conveniently Located ATMs

InTouch, Allpoint and NO SUR! Accel Exchange ATM locations give credit union members free ATM transactions at thousands of machines nationwide!


Free Online Account Access

Manage your account from the convenience of your own computer, 24 hours a day, with SECNY Online Banking. Transfer funds and view your account history. Or put the convenience of banking at your finger tips with our mobile app.

Download the SECNY Mobile Banking App from the Apple App Store buttonDownload the SECNY Mobile Banking App from the Google Play Store button

Free Online Check Imaging

View your cleared checks online for FREE! Simply sign on to your account and access your checking account history. The check number will appear as a link in your history. Click on the check number link and view a full image of your cleared check.

Free* Online Bill Pay

Never use another stamp! Pay all your bills online directly from your SECNY FCU Checking account(s)! *Fees may apply. See our Member Reference Guide & Service Schedule.

Free E-Statements

E-statements are delivered to members faster than mailed statements, save the environment by using less paper and increase the security of your private financial information.


Other Features Available

Direct Deposit or Payroll Deduction

Have your payroll department send your entire pay or part of it directly to the credit union. No more waiting in line! Have your member number and SECNY Routing and Transit number (221381304) ready.

Overdraft Protection

Protect yourself from the embarrassment and expense of returned checks. Ask for an Overdraft Line of Credit.

Courtesy Pay

A program designed to support members in good standing by paying checks in advance of your deposit. Must be a member for a minimum of 60 days. Must be a member in good standing. Maximum Courtesy Pay amount: $750 for qualified member accounts.

Share Transfer

SECNY will transfer funds from your savings to your checking if you have insufficient funds to cover your checks. A nominal fee will be charged, see service schedule for details.

Cash Management

Earn a higher rate of interest and have check writing privileges by maintaining a minimum average daily balance in your account for the entire month.

Order Checks Online

Get 25 checks for free on your first order of checks (select styles only- Contact Us for details). 

Order Checks Online View Rates