Serving Everyone in Central New York

Checking Accounts

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

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


  • VISA Debit Card

    Works like a check and as an ATM card! Card may be used everywhere Visa is accepted.

  • Online Check Imaging

    View your cancelled checks online for FREE! Simply sign on to your account via www.secny.org 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 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.

    Online Account Access on Your Mobile Phone

    Manage your account from the convenience of your web enabled smart phone, 24 hours a day, with SECNY Mobile Money. Simply Sign in to your account!.

  • Free Online Bill Pay

    Never use another stamp! Pay all your bills online directly from your SECNY FCU Checking account(s)! Click here for 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

    Access your accounts 24 hours a day, 7 days a week at NYCE and PLUS machines nationwide. InTouchsm, Sharenet, Allpoint and AccelExchange ATM locations give credit union members unlimited, free ATM transactions at over 53,000 machines nationwide!

  • Easy to Understand Monthly Statements

    Statements are provided on a monthly basis approximately one week after the month ends. They will detail all activity for the preceding month as well as any dividend activity.

  • Convenient Neighborhood Branch Locations

    Still like to do your business in person? Stop in and see our friendly staff at any of our branches. You'll never have to pay a fee to do business with a person instead of a machine!

  • 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

    Upon your authorization, the credit union will transfer funds from your savings to your checking if you have insufficient funds to cover your checks. A nominal fee will be charged.

  • Cash Management and Money Market Accounts

    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.


Overdraft services can be crucial when it counts most — those times when emergencies or unexpected expenses come up right when your balance is lowest. View our overdraft service video.

Checking Accounts in Syracuse NY
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