Seattle Metropolitan Credit Union
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Feel Good Checking® - The Checking Account Only a Co-op Could Build

Are you paying $10, $15, or even more every month for your checking account or having to keep thousands of dollars in your account to avoid being charged?

You won't at SMCU.

SMCU is a not-for-profit financial cooperative. We don’t charge the exorbitant fees that many banks do. Our focus is providing our members outstanding financial products at the lowest cost possible. That’s why we created Feel Good Checking®, a unique, dividend-bearing checking account that gives back to the organizations that make our community better without sacrificing top-of-the-line account features.

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No Monthly Fee and No Minimum Balance Requirement

You won't pay a monthly service fee to have a Feel Good Checking account regardless of your balance or how many transactions you do in a month. By switching, you could save up to $180 a year1 over checking accounts at an ordinary bank.

6.14% APY2 on Your First $500

You don't need a lot of money to get a great return. Feel Good Checking pays you 6.14% APY2 on the first $500 you have in your account. All you have to do is use eStatements and have one Direct Deposit into your account each month to get this great dividend benefit.

$20 for a Local Non-Profit

Opening a Feel Good Checking account at SMCU is one of the easiest ways there is to give back to your community. When you open a Feel Good Checking account, SMCU will donate $20 to the non-profit community partner of your choice. Since 2008, Feel Good Checking has raised more than $100,000 for these important, life-changing organizations. Click here to learn more about these organizations and how they're chosen.

Free Checks and That's Not All

With Feel Good Checking, you can get one free box of checks3 every year your Feel Good Checking account is open. Since we all write fewer checks these days, you may never have to pay for checks again. Plus, you'll have access to all the great, free convenience services SMCU offers, including:

  • FREE Online Banking
  • FREE Bill Pay
  • FREE SMCU Debit or ATM Card
  • FREE Mobile and Text Banking

Some banks charge $3 per month to use their Bill Pay service. That's another $36 a year you could save by switching to Feel Good Checking.

It's Easy to Switch

SMCU Branch Representatives are specially trained to help you move your checking account 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 Feel Good Checking.

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 a Feel Good Checking account at with just a few clicks, 24 hours a day, 7 days a week.

Account Disclosures

2014 Feel Good Checking® Partners


Seattle Children's Theatre

Youth In Focus

Zero Waste Washington

New Beginnings

Lifelong AIDS Alliance

Northwest Harvest


1Savings calculated based on $15/month checking service charge over 12 months

2APY is Annual Percentage Yield and is accurate as of 2/1/2014 . 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 pays 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.

3Free 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.


CU SERVICE Equal Housing Opportunity Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government by the National Credit Union Administration, a U.S. Government Agency. BBB
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