What’s Better than Free?

What's better than Free? Better than free checking.

Don’t pay a fee for your checking account. Check out our Better than Free Checking* with bonus features that help you save money, earn rebates and even provide insurance and fraud support.

  • $25 to open
  • No minimum balance requirement
  • No monthly service charge
  • No per check charges
  • Unlimited check writing
  • Debit card available
  • Free online, mobile and bill pay

With Better than Free Checking, you’ll also get:

  • Everywhere Cash Savings* and discounts from your favorite retailers.
  • Everyday Rebate Rewards* when you save your receipts and submit them quarterly to receive 10% cash back!
  • Purchase Protection* and Extended Warranty* when you use your debit card to make purchases you’re automatically protected.
  • ID Theft Insurance* and Identity Fraud Support* provides up to $2,500 in compensation for covered expenses incurred in the recovery of your stolen identity. 

Open a Better than Free Checking* and get $1001

Talk to us today about opening up a Better than Free Checking or click here to learn more.


*Free eStatements and Direct Deposit required for Better than Free Checking. Visit our website at https://spcocu.org/savings-checking/better-than-free-checking/ for full details and disclosures on these bonus features. 1Offer based on membership eligibility. To qualify for the $100 deposit, you must be an SPCO member in good standing and open a new Better than Free Checking Account with eStatements and Direct Deposit. Existing Checking Accounts are not eligible to receive the $100 incentive. The $100 will be deposited after the first direct deposit into the Checking Account. Allow up to three weeks after the first direct deposit for the incentive to be applied. The direct deposit must be completed within 60 days of the account opening. “Bonus” is considered interest and may be reported to IRS Form 1099-INT. Please consult your tax advisor on any legal, tax, or financial issues related to your bonus or personal matters. Offer expires June 28, 2019.