Sussex County FCU
Savings & Checking
Loans & Credit
Account Access
Convenience Services
Business Services
Financial Planning


Checking Accounts

Sussex County FCU offers many great checking account features including:

Monthly Fee


If you maintain a balance of $500 or more each day of the month; or if you have direct deposits in aggregate of $800 per month; or if your age is less than 23. Otherwise a $5 per month charge applies.

Minimum Balance


No minimum balance is required to maintain your account.

Earn Dividends


Dividends are paid on balances in excess of $2,000.

Audio Response



Online Banking



Bill Pay


If you have a minimum of 10 debit card point of sale transactions posted per month. Otherwise a $5 monthly fee will apply.

VISA Debit Card


Can be used anywhere where VISA is accepted, including ATMs.

Direct Deposit/
Payroll Deduction


Avoid fees and check holds and go for convenience. Direct deposit your net pay, a portion of your pay, your pension or social security benefits, etc.

Overdraft from Shares


If you accidentally overdraw your checking account, we’ll automatically transfer any available funds from your Share Savings Account .

Overdraft Privilege


After 30 days of membership and assuming you are a member in good standing, we will cover any of your overdrafts up to $350. You have up to 30 days to repay the advance.

ACH Debits


Pay your bills electronically at no charge.

Encore Checking
Because life doesn’t always go as planned‚ Sussex County FCU offers an alternative to a traditional checking account. An Encore Checking account is the perfect solution to re-establishing a solid financial history‚ while providing an affordable solution to money orders and pre-paid cards. For details‚ click here.

Student Checking
For student and young adult checking options‚ please click here.

Business Checking
Business Checking requires versatility and choice. At Sussex County FCU‚ we have three options for local entrepreneurs‚ and each comes standard with a free Visa Debit Card‚ Online Banking and night drops.

Small Business Checking: Perfect for start-ups and home-based businesses with low transaction volumes. Keep an average daily balance of $500 and we’ll waive the $3 monthly fee. The first 25 paid checks and deposit items each month are free (10¢ each thereafter).

Basic Business Checking: Maintain an average daily balance of $1‚000 and we’ll waive the $7.50 monthly fee‚ which gets you 100 free paid checks and deposit items per month (10¢ each thereafter).

Interest Checking: For just $15 per month‚ your business gets the Excess Earnings Credit based on an aboveaverage interest rate. Get up to 200 free paid checks and deposit items per month (10¢ each thereafter).

Overdraft Protection
If you overdraw your checking account, we will automatically transfer available funds in your Share Savings Account to cover the overdraft. If funds are not available in your Share Savings Account , we will then determine if you have been approved for Overdraft Privilege.

Under our Overdraft Privilege Program, after 30 days of good membership with us, a $350 overdraft privilege will be made available on your account in accordance with our Discretionary Overdraft Privilege Policy. This means that should you inadvertently overdraw your account we have the discretion to cover your overdrafts up to $350 after first subtracting the amount of the overdraft fee(s) as outlined in the Discretionary Overdraft Privilege Policy.  When your items are paid, this service will help save you the embarrassment and inconvenience of a returned item as well as the fee normally charged to you by merchants for items returned to them. The Discretionary Overdraft Privilege may be available for share drafts, ACH transactions, or checks cashed at our teller windows.

View Overdraft Privilege Policy

Reorder Checks
Members can reorder checks 24/7 within online banking, simply click the Check Reorder option; or call the Member Service Center at (302) 629-0100 during regular business hours. For those without access to online banking, please visit

Student Center
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