State Employees’ Credit Union

Location: Raleigh, NC

Yield % 0.25
Minimum to open $1
Minimum balance to avoid fee N/A
Monthly service fee $1
Nonsufficient funds fee $12
Fee to use other ATM $0.75
ATM surcharge $0
Notes: Checking — ATM affiliates: CashPoints ATMs (North Carolina only). No way to avoid monthly service fee. Zero dollars to open, but must deposit $1 to cover 1st monthly maintenance fee. Nonsufficient funds fee waived for 2 days.

Bankrate conducted a survey of the 50 largest U.S. credit unions based on total deposits, surveying 1 checking account at each, along with the accompanying debit card and ATM transaction fees. The survey was conducted Jan. 13-22, 2016. For N/A yield: The account is not an interest-yielding checking account.