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Checking Accounts and Debit Cards

Easily manage your money with a Sun East Checking Account. A Sun East Checking Account makes managing your money easy and affordable with no minimum balance requirements, no per-check charges, no monthly service fees, and overdraft protection options. Every checking account also comes with an instant-issue debit card.

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Free Checking…Yep, Free

There are no monthly maintenance fees, no per-check charges, and no minimum balance requirements; plus, deposits are insured up to $500,000‡. You could be eligible for a .25% Sun East loan rate discount** if you set up an automatic payment transfer from your checking account.

Learn About Our Checking Accounts and Debit Card Options

A Sun East Checking Account makes managing your money easy.

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USave Interest Checking

USave Interest Checking doesn’t restrict your access to cash and your money earns dividends1. You can even earn a .25% loan rate discount** when you pay your auto or personal loan from your free checking account via automatic payment transfer.

Check Rates
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Senior Benefits

In addition to FREE checking, members 60 years of age and older also receive two free boxes of checks per year and free paper statements. You’ll also have the peace of mind of knowing that all Sun East deposit accounts are insured up to $500,000‡.

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Debit Card Purchase Rewards

The Sun East Purchase Rewards program makes it easier than ever to earn cash back from your favorite stores. Through this program, online banking users with a checking account and debit card receive targeted offers based on the way they shop. Simply use your debit card and start earning points! Activate Purchase Rewards within your Online Banking.

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ScoreCard® Rewards

You can earn and redeem Bonus Points through ScoreCard® Rewards for every qualifying net dollar you spend.

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Overdraft Protection and Courtesy Pay Privilege

Overdraft Protection and Courtesy Pay Privilege are optional account features designed to prevent checking account transactions from being rejected because there is not enough money in the account to cover the transaction. This is also known as non-sufficient funds (NSF).

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Take advantage of “Free” with a Sun East Checking Account.

  • No minimum balance requirements on free checking accounts
  • No per-check charges or maintenance fees
  • Account access online, via mobile, and at 5,000+ branches nationwide
  • Deposits insured up to $500,000‡
  • Turn your purchases into merchandise and travel rewards with ScoreCard® Rewards
  • Receive cash back on offers based on the way you shop with Purchase Rewards in Online Banking
  • Protection for your debit card with alerts and notifications with SecurLOCK™ Equip

Frequently Asked Questions

How long does it take to get my debit card when I open a checking account?

How can my checking account entitle me to a loan discount?

How can I access my checking account at over 5,000 branches nationwide?

How do I reorder checks?


** .25% discount for Automatic Payment Transfer from Sun East checking. If at any time, Automatic Payment Transfer is discontinued then rate discount will be discontinued.

1To avoid $15 monthly service fee on USave Checking, maintain minimum average daily balance (ADB) of $5,000 or combined deposit balance minimum of $25,000. Annual Percentage Yield based on average daily balance; currently $500 – $49,999.99 is .10% APY; $50,000 – $99,999.99 is .10% APY; and $100,000+ is 10% APY as of 09/01/23. Withdrawal of dividends may reduce earnings. Rates subject to change without notice.