Feel Good Checking

No Monthly Fee or Minimum Balance

You won’t pay a monthly service fee regardless of your balance or how many transactions you do in a month. By switching, you could save up to $180 a year over checking accounts at an ordinary bank.1

$20 for a Local Non-Profit Partner of Your Choice

When you open your account, we’ll donate $20 to the non-profit community partner of your choice. Since 2008, Feel Good Checking has raised more than $150,000 for these life-changing organizations.

Our non-profit partners are selected by our community through a nomination and voting process each year.

Seattle Humane    The Vera Project    The Seattle Public Library Foundation    Seattle Tilth    Childhaven    Bike Works  Northwest Harvest

Learn more about this year's partners and how they're chosen.

6.14% APY on Your First $500

You don’t need a lot of money to get a great return. We’ll pay you 6.14% APY on the first $500 in your account. All you have to do is use eStatements and Direct Deposit to get this great dividend benefit.

Requirements to Earn Higher Rate:

Most high yield checking accounts require you to jump through many hoops to get the promised higher rate. With Feel Good Checking it's easy. Just sign up for eStatements and a monthly Direct Deposit into your account and you will automatically earn the higher rate on your first $500. Visit our rates page for full details. 

Free Checks, Bill Pay, & Online Banking

You can get one free box of checks every year. Plus, you’ll have access to all the convenient, free services SMCU offers, including Online Banking, Bill Pay, Mobile Banking, and SMCU’s Debit or ATM card.

For terms and conditions

Donate to Local Non-Profits and Earn 6.14% APY with Feel Good Checking

Earn 6.14% APY1 with Feel Good CheckingTM

When you open a free Feel Good Checking account with SMCU, we donate $20 to the non-profit partner of your choice.

Plus, you'll receive 6.14% APY on the first $500 of your balance and free checks for life2. You won’t pay a monthly service fee regardless of your balance or how many transactions you do in a month. By switching, you could save up to $180 a year over checking accounts at an ordinary bank.3

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  • See Feel Good Checking Details and Disclosures


    1 APY is Annual Percentage Yield and is accurate as of 9/1/2015. Rates on savings, money markets, and checking accounts may change after account opening. Account fees may reduce earning on the account. Feel Good Checking accounts pay 6.14% APY on any portion of the account balance at or below $500 and 0.05% on any portion of the balance above $500. Minimum requirements for earning dividends: (1) eStatements (2) Direct Deposit. Only one Feel Good Checking account per member.


    2 Free box of checks is limited to Classic style with standard type style and no additional graphics added. Members who choose a different style will receive a once-per-year $5 credit toward their choice of checks.


    3 Savings calculated based on $15/month checking service charge over 12 months.

It's Easy to Switch.

SMCU Branch Representatives are specially trained to help you move your checking and savings accounts as quickly as possible without disrupting your life and finances. They will give you all the information you need to transfer any automatic deposits or payments you have set up at your other bank, so you can start taking advantage of the great perks you'll get with your SMCU account. Stop by a branch or call us today at (206) 398-5500 or toll-free at (800) 334-2489 to get started. Or, if you'd prefer, you can open an account online.

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Manage your accounts on the go.

Access your accounts from wherever you are. With SMCU’s free mobile app for Apple and Android, you can:

  • View account balances
  • View transaction history
  • Transfer between SMCU accounts
  • Schedule payments to existing Bill Pay payees
  • Deposit checks remotely
  • Find the branches and surcharge-free ATMs nearest you

To download the app, visit the Apple App Store or Google Play and install the application on your device.

Log in using the same username and password you use for Online Banking, and you're all set.

SMCU's Mobile App



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