*ALERT PHONE SCAM: If you receive a call or text stating it is Spokane City Credit Union. DO NOT give out your personal information or account information. THIS COULD BE A SCAM. Instead, please call us directly to verify. (509) 325-7228
Serving Spokane, One Transaction at a Time
ICON checking CLEAR

Checking Accounts

Our convenient, No-Fee Checking means no minimum balance requirement, no monthly service charges and no fees for the checks you write, and most importantly you can have the Spend & Save Debit Card. This is the card that puts money directly into your SCCU Savings Account while you are shopping. Plus, you have access to thousands of free ATM’s nationwide as you are a member of the Co-Op Network.

Not a SCCU Member? Join Today!

Questions? Contact a Member Service Representative at (509) 325-7228 or email us at memberservices@sccu.net or open your account online 24/7 by clicking on the OPEN AN ACCOUNT button at the top of the page.

New Checking Account Users:

Need checks? Click here to order online.

SCCU’s Routing & Transit Number is: 325182373

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.

We do instant issue debit cards. 

Don't forget about our VISA Debit Card Enhancements.

  • Spend & Save Available
  • Co-op card alerts available through the SCCU CardNav® App.

Search: SCCU CardNav® and download the app to your smartphone to gain a new level of security and control over your money today.


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

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
(509) 325-7228 - During Business Hours
1-833-574-3468 - After Hours (Pacific Time)

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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.

ICON overdraft protection CLEAR

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 three versions of overdraft protection:

  1. Privilege Pay.
  2. Savings Transfer.
  3. Line of Credit Transfer.

Overdraft Protection Options (PDF)

Privilege Pay Overdraft Protection Opt-Out Form (PDF)

Authorization of ATM & Debit Transaction Coverage Form (PDF)

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

Questions? Ask Us!

E-Mail a Member Service Representative at memberservices@sccu.net.

Important information!

We're moving the ATM into the vestibule!

ATM Relocation Project

Construction Starts June 3rd
Drive-thru will be open normal hours during construction.

Front doors will be accessible by appointment only during the construction period of Monday, June 3rd until mid-July 2024. Please call the Credit Union at 509-325-7228 or visit https://sccu.net/book-appointment to schedule an appointment.

What YOU Need to Know!

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