APY
0.20%
As of Nov 1, 2026. Rates are variable.
State Employees CU Of Maryland, INC · Checking account
State Employees CU Of Maryland SECU Total™ Checking & Rewards
$0 a year for an everyday customer. No monthly fee. $25 to open.
- A year, everyday customer
- $0
- APY
- Receipt · APYChecked Nov 1, 2026
Issuer's page · secumd.org
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer's page · secumd.org
The source states this figure; we have no exact sentence on file yet.
- To open
- Receipt · Minimum to openChecked Nov 1, 2026
Issuer's page · secumd.org
The source states this figure; we have no exact sentence on file yet.
Offer
Bonuses
$25 deposited within 90 days
State Employees CU Of Maryland SECU Total™ Checking & Rewards · State Employees CU Of Maryland
Ends Dec 31, 2026Meet it within 90 days
“Open a SECU checking account during the promo period, enter promo code SECU350, set up e-statements, and have at least 2 separate qualifying payroll direct deposits post to the checking account within 90 days of opening.”The bank’s page, checked Nov 1, 2026
$10 deposited within 60 days
State Employees CU Of Maryland SECU Total™ Checking & Rewards · State Employees CU Of Maryland · for new customers
Ends Dec 31, 2026Meet it within 60 daysNew customers only
“Current students at Maryland colleges or universities who become new SECU members and open checking between 7/15/26 and 12/31/26 must open a Share Savings and SECU Total™ Checking & Rewards account using promo code STUDENT100 and, within 60 days of opening checking, set up e-statements and enroll in”The bank’s page, checked Nov 1, 2026
Features
- Branch access
- Check writing
- Debit card
- Debit rewards
- Early direct deposit
- Free checks
- Interest bearing
- Joint accounts
- Minor accounts
- Mobile check deposit
- No minimum balance
- Overdraft protection transfer
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates by balance
- $0 to $3,500
- 0.05%
- $3,500 to $20,000
- 0.15%
- $20,000 and up
- 0.20%
The bank’s rates · as of Nov 1, 2026
In the bank’s words
Terms
Rate conditions
- To earn the APY
- Qualifying platinum members earn pp to 2.00% APY: Requires members to be in the platinum rewards level
- with e-statements
- full check Direct Deposit of $500 or more into checking per month
- as well as a balance of $75,000 or more in checking
Fees
- Monthly fee
- Nonesecumd.org, checked Nov 1, 2026
- Minimum to open
- $25secumd.org, checked Nov 1, 2026
- ATM network
- 50,000+ free nationwide ATMssecumd.org, checked Nov 1, 2026
- ATMs in the network
- 50,000secumd.org, checked Nov 1, 2026
Who can open it
- Membership
- Open to anyone who qualifies through one of these:
- through a family member
- work
- the college you attended
- an organization you are affiliated with
- Minimum age
- 13secumd.org, checked Nov 1, 2026
Insured through the NCUA, up to $250,000 per member, per ownership category: NCUA record.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 2 items counted at typical fees