Checking Accounts

Checking is made easy at SECNY, with multiple ways to access your account and no monthly maintenance fee!

Contact us or visit one of our branch locations to open an account today!

MasterCard Debit Card

SECNY Debit Cards in Syracuse NYDiscover 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. 

SECNY MasterCard Debit Card Application

Stop fumbling for your wallet. Pay with your phone.

Mobile Pay Options with Digital Wallet

SECNY is pleased to announce that you can now use your SECNY MasterCard® Debit Card with Apple Pay, Android 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.

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Free Virtual Branch Online Account Access

Manage your account from the convenience of your own computer, 24 hours a day, with SECNY Virtual Branch. Transfer funds and view your account history. You can even view images of checks you have written! Simply sign on to your account.

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)! Click here for Online Bill Pay set-up and usage instructions!

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.


Conveniently Located ATMs

InTouch, Allpoint and NO SUR! Accel Exchange ATM locations give credit union members free ATM transactions at over 55,000 machines nationwide!

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.

Other Features Available

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

Order Checks Online View Rates

Wire Transfers

SECNY wire transfer service allows you to receive and send domestic and international wire transfers to and from your SECNY accounts.

Wire Transfers for Personal & Business Accounts

Contact Us Online

or visit one of our branch locations to open an account today!