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Enjoy Everyday Convenience With Our Personal Checking Account

It’s easy to manage your money with your own personal checking account. You can choose a Basic Checking Account or a Bonus Checking Account.

Plus, you are never far from your money. Just log into our Mobile Banking App or stop by any of the 30,000 ATMs that display the CO-OP logo.

Checking Account

We keep it simple with our Basic Checking Account. There is no minimum balance and no monthly service fees.

  • No minimum deposit to open
  • No minimum balance
  • No monthly service fees
  • Free Online Banking, Mobile Banking, Bill Pay and eStatement.
  • Free Mobile Check Deposits

Bonus Checking Account

All the benefits of our Basic Checking Account, plus you earn dividends on your higher balances.

  • $2500 minimum balance to earn dividends
  • Dividends accrued on daily balance and paid monthly
  • $7.50 monthly service charge is assessed if balance falls below the $2500 minimum on any day during the month
  • Free Mobile Check Deposits
Plus, if you are 15 to 17 years old and have proof of employment, you can open your own Basic Checking Account. Just get your parents or guardian’s permission stating it is ok for you to have your own account.

Set Up Direct Deposit

 Save time and have your paycheck directly deposited to your checking or savings account. It’s safe, convenient and free.

Let your employer know you’d like to set up a Direct Deposit to your Sentinel Federal account. You’ll need to provide these items when you complete your employer’s Direct Deposit Form.

  • Sentinel Federal’s Routing Number: 291479291
  • Your Member Number which is located at the top of your statement

Call Now

(605) 923-1405

Personal Checking Made Simple with SFCU

At Sentinel Federal Credit Union, we understand that your financial needs are as unique as you are. That’s why we offer two personal checking account options designed to fit your lifestyle, whether you’re just starting out, raising a family, or enjoying your retirement.

  • Overdraft protection
  • Direct deposit setup
  • Mobile check deposit
  • ATM Access
  • 24/7 online access
  • No monthly fees

Order New Checks

First Check Orders

Our preferred check provider is Main Street. For your first check order with Main Street, give us a call at 605-923-1405 or 888-923-1400.

Reorders

Reorder checks online at the Main Street website. If you need to reorder checks with a third-party vendor, we recommend you contact us prior to ordering for verification of your account information.

Reorder ChecksCall Now (605) 923-1405

Checking account FAQs

  • What documents do I need to open a personal checking account?

    To open a personal checking account at Sentinel Federal Credit Union, you typically need a valid ID (driver’s license, passport, or state ID) and proof of address. Additional documentation may be required for specific account features.

  • Is there a minimum balance requirement for a personal checking account?

    Our Sentinel Basic Checking account has no minimum balance requirement. However, other account types may have varying balance requirements. We offer options to fit your financial needs.

  • How can I access my funds with Sentinel Federal Credit Union?

    You can access your funds conveniently through our network of ATMs, shared branches, online banking, and mobile app. Enjoy secure and easy access to manage your finances anytime, anywhere.

  • Are there any monthly maintenance fees for personal checking accounts?

    Our Sentinel Basic Checking account has no monthly maintenance fee. Other account types may have fees that can be waived by meeting certain criteria. We provide transparent fee information to help you choose the right account for you.

  • Can I order checks for my personal checking account?

    Yes, you can easily order checks for your personal checking account through our online banking platform or by visiting a branch. Choose from a variety of check designs to suit your preferences.

  • How do I set up direct deposit with my personal checking account?

    Setting up direct deposit is simple. Provide your employer or other income sources with Sentinel Federal Credit Union’s routing number and your account number. Your funds will be deposited directly into your account, saving you time and ensuring timely access to your money.