Convenient, No-Fee Checking Accounts

Join Now


Our convenient, No-Fee Checking means no minimum balance requirement, no monthly service charges and no fees for the checks you write. Plus you’ll have access to Online Banking, Online Bill Payer, E-Statements, and most importantly, you’ll have access to thousands of CO-OP Network’s surcharge-free ATMs located nationwide. 

Not a SCCU Member? Join Today!

Questions? Contact a Member Service Representative at (509) 325-7228 or email us at


New Checking Account Users:

Need checks? Click here to order online.

SCCU’s Routing & Transit Number is: 325182373

VISA Debit Cards

VISA Debit Cards

Get more with SCCU Debit Cards

A better option than check and cash transactions, SCCU debit cards come with Enhancements at no cost and can be used worldwide everywhere debit VISA® is accepted. Make purchases in person, online and by phone with ease.

There are no annual fees and transaction fees when you use our VISA Debit Card and you get access to the largest network of surcharge-free credit union ATM's with the CO-OP Network . Also, if you don't like your Personal Identification Number (PIN), come by the credit union and we will change your PIN to a number that you choose!

Don't forget about our VISA Debit Card Enhancements.

  • VISA 911
  • Personal Identity Theft Insurance
  • Roadside Dispatch
  • Travel Accident Insurance
  • Travel and Emergency Assistant Services
  • Co-Op Card Alerts Available
  • Spend & Save Available Learn More

For more information on how to enhance your VISA Debit Card experience, contact us.

VISA Debit Card Application   •   Sign Up for Co-Op Card Alerts   •   VISA Guide to Personal Identity Theft

Report a Lost or Stolen Credit Card or Debit Card

Report a Lost or Stolen Credit Card or Debit Card

Please call the following numbers to report a card lost or stolen:

Debit Cards:
1-909-941-1398 - When out of the United States
Credit Cards:
1-800-991-4964 - After Hours

Verified by VISA

CO-OP ATM Network

CO-OP ATM Network

Welcome to CO-OP, the largest credit union-only ATM Network in the country. The CO-OP Network logo gives you Surcharge-Free access to over 6 dozen CO-OP Network ATM's in the Spokane Area and over 28,000 CO-OP Network ATM's in the country including ANY 7-Eleven location (throughout the U.S. & Canada).

With the Spokane City Credit Union ATM Card, you can access your account 24/7 at any of the CO-OP Network "Surcharge-Free" ATMs. And with over 6 dozen locations in the Spokane Area and thousands of locations worldwide, you're never too far from getting cash. Just look for the CO-OP Network Logo.

Locate a CO-OP Network ATM through the CO-OP Network's Online Locator, Smart Phone Application, Text Messaging or GPS.

In addition, CO-OP Network’s membership also provides access to over 800,000 ATMs worldwide through links to the NYCE, STAR, Cirrus, Pulse and Plus networks.

Questions?  Contact Us.

SCCU Overdraft Protection

SCCU Overdraft Protection

Your protection against account overdraft

There are plenty of things to worry about these days — but overdrawing your checking account shouldn't have to be one of them. We offer two versions of overdraft protection:

PRIVILEGE PAY OVERDRAFT PROTECTION comes standard with your account, but DOES NOT cover ATM and Debit transactions unless asked to do so.

What is Privilege Pay Overdraft Protection?

Privilege Pay Overdraft Protection Opt-Out Form

Authorization of ATM & Debit Transaction Coverage Form

OPTIONAL OVERDRAFT PROTECTION PLAN draws from a savings account or Personal Line of Credit if your account has been overdrafted.