READY | SET | REACTIVATE


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Don’t forget about your account at SPCO Credit Union! Once you’re a member, you are always a member of SPCO Credit Union, where we want to be your TRUSTED financial partner.

Reactivate your SPCO membership by filling out an Account Card and opening a new checking today!

PLUS, get $1501 when you move your checking account to SPCO by October 31st.

    Account Change Card

    SPCO offers checking accounts for wherever you are on your financial journey.

    On-Track Checking

    With an On Track Checking Account, you’ll not only save money but you’ll earn competitive dividends on your funds.

    • Only $25 to open.
    • No minimum balance requirement.
    • No monthly service charge.
    • No per check charges.
    • Unlimited check writing.
    • Overdraft protection available.
    • Free Visa Debit Card available.
    • Free eStatements.
    • Direct Deposit and payroll deduction available.
    • Free online and bill pay.
    • Free mobile banking. ATM access.
    • Earn monthly dividends

    Learn More about On-Track Checking

    Better Than Free Checking

    This FREE checking account2 with bonus features helps you save money, earn rebates, protect your purchases and even provides free insurance and fraud support in the event of identity theft. Isn’t it time your checking did something nice for you? We think so!

    • Only $25 to open.
    • No minimum balance requirement.
    • No monthly service charge.
    • No per check charges.
    • Unlimited check writing.
    • Free eStatements and Direct Deposit required.
    • Overdraft protection available.
    • Free Visa Debit Card available.
    • Free online and bill pay.
    • Free mobile banking.
    • ATM access.

    Learn More about Better Than Free Checking

    Switch to SPCO!


    1To qualify for the $150 deposit, you must be an SPCO member in good standing and open a new Better than Free Checking Account or On Track Checking with Direct Deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government of at least $500 per month. Existing Checking Accounts and secondary checking accounts are not eligible to receive the $150 incentive. The $150 will be deposited after the first direct deposit into the new 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. If the checking account is closed by the member or SPCO within six months after opening, we will deduct the bonus amount at closing. Offer expires October 31, 2021. 2Better than Free Checking requires eStatements enrollment and Direct Deposit.

    Have questions?
    We have answers.