Checking
Fee-free checking with no minimum balance — banking that works as hard as you do.
Our checking account is built for modern life — no monthly fees, no minimum balance, and full access to your money whenever you need it. Manage everything from our award-winning mobile app with real-time notifications and instant transfers.
Key Benefits
Designed to give you the best banking experience possible.
Zero Monthly Fees
Keep more of your money — no monthly maintenance fees, ever.
Mobile Check Deposit
Deposit checks from anywhere using your phone's camera.
Free Debit Card
Contactless-enabled debit card with instant freeze/unfreeze controls.
Instant Notifications
Get real-time alerts for every transaction on your account.
Free ATM Access
Access thousands of surcharge-free ATMs nationwide.
FDIC Insured
Your deposits are federally insured up to $250,000.
Eligibility & Requirements
To apply for this service, you should meet the following basic requirements.
- Must be 18 years of age or older
- Valid government-issued photo ID
- US Social Security Number or ITIN
- US residential address
- No minimum opening deposit required
Ready to Get Started?
Our team is here to guide you through every step of the process. Apply online in minutes.
Apply NowHow to Get Started
Apply Online
Complete our 7-step online application in about 10 minutes.
Verification
We'll verify your identity securely and review your application.
Access Your Account
Once approved, your debit card ships within 5 business days and you can bank digitally immediately.
Related Services
Take the Next Step
Open your account today and experience the Silver Union Capital difference.