Free LUV Checking
At SWACU, we're all about the LUV. When it comes to our checking accounts, we're also all about the free — as in free checking with no strings attached!
Take our Free LUV Checking account. The name says it all. This account features no monthly service charge and tons of e-Services, so you can show your money some TLC wherever you are, anytime of the day or night.
- Simplified checking solution
- No monthly service charge
- No minimum balance requirement
- Unlimited check writing
- Reorder checks conveniently and securely
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free e-Statements
- Free telephone banking
- Free Visa® debit card
- Surcharge-free ATMs and shared branching available
- Overdraft Protection available
- $30 minimum deposit to open
Protect Yourself from Overdrafts
Link Your Savings Account with Overdraft Protection
You can link your savings account to your checking account for added peace of mind. If your checking account is overdrawn, available funds from your savings will automatically transfer to cover the difference.
Set Up an Overdraft Protection Loan
For additional coverage, you may apply for our overdraft protection loan. This works like a line of credit—if your checking account balance goes negative, funds are advanced to cover the shortfall. As you repay the balance, your available credit is restored and ready for future use.
Not currently enrolled in eStatements?
Effective March 2, 2026, a fee of $3 per mailed statement will be assessed to the member account. Members under 18, and over the age of 70 will be exempt. To enroll into eStatements follow these steps:
Log into Online Banking, select your name at the bottom of the menu. Go to “Account Settings”, select the account, select “Enroll” in the Documents section. Next, check the box next to “Enroll all accounts”. Finally, select “Save” and you will see a confirmation screen confirming the updates.
