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Bylaw Requirements

You must complete payment of one share in your Regular Share account as a condition of admission to membership. The par value of a share in a Regular Share account is $5.00.

National Credit Union Share Insurance Fund & Massachusetts Share Insurance Corporation (MSIC)

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund with supplemental coverage provided by MSIC.

Transaction Limitations

We reserve the right to, at any time, require not less than seven days notice in writing before each withdrawal from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Rate Information

  • For this account type, the dividend period is monthly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of a dividend period, and for the example above is February 1.
  • Daily Balance Computation Method – Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.
  • Accrual of Dividends – Dividends will begin to accrue on the business day you deposit cash or non-cash items (for example, checks) into your account.
  • The annual percentage yield is based on the assumption that dividends will remain in the account until maturity and that funds will remain on deposit for one year.
  • The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

For Your Assistance...

NOW Checking

NOW Checking Features

  • FREE Online Banking
  • FREE Bill Payment
  • FREE eStatements
  • FREE Direct Deposit
  • FREE 24 Hour Telephone Banking
  • FREE Remote Deposit
  • FREE Debit Card Access

The categories of transactions for which an overdraft fee may be imposed are those by any of the following means: check, or other electronic means.

Check printing fees depend on the style of the check ordered.

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Super NOW Checking

Super NOW Checking Features

  • FREE Online Banking
  • FREE Bill Payment
  • FREE eStatements
  • FREE Direct Deposit
  • FREE 24 Hour Telephone Banking
  • FREE Remote Deposit
  • FREE Debit Card Access

Minimum Balance Requirements

The minimum balance required to open this account is $2,500.00. You must maintain a minimum daily balance of $2,500.00 in your account to avoid a fee. If during any statement cycle your account balance falls below the required minimum daily balance, your account will be subject to a fee for that statement cycle. Please refer to our separate fee schedule for additional information about charges. You must maintain a minimum daily balance of $10.00 in your account each day to obtain the disclosed annual percentage yield.

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Order Checks

Click here to reorder checks.

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Debit Cards

Rewards Debit Card

With UChoose Rewards, you choose where to shop and what to get for all the points you earn. Most rewards programs have limited options on where to shop, and it takes forever for your points to accumulate. UChoose Rewards changes all of that. You have access to hundreds of retailers where you earn big rewards, and there are millions of redemption choices! Watch your points add up every time you shop with your SCU Rewards Debit MasterCard.

Shop and your points accumulate:

  • Earn 1 point per $2 each time you use your card and sign for your purchases
  • Earn additional points by shopping at participating retailers in-store or online

Choose from millions of items to redeem your points with!

Click to enter the UChoose Rewards site.

Call (877) 446-7120 for assistance, Monday through Friday - 9am to 9pm.

Mastercard® SecureCode™

The first time you checkout at a participating online merchant, you'll be asked by SCU to register your MasterCard® Debit Card for SecureCode™ protection. MasterCard® SecureCode™ is a private code for added protection against unauthorized use of your card. During checkout, a window from SCU will appear and ask you to activate your SecureCode™ before completing your transaction. After you've chosen your private code, known only to you and SCU, you'll be able to complete this and all future purchases at participating merchants with added security. Or, you can set up your private SecureCode™ now. Click here to choose your own SecureCode™. 

Click here for answers to frequently asked questions or to view a demo. Please keep in mind that you must have a NOW/checking account, a Super NOW/checking account, or a Money Market account at the Southbridge Credit Union in order to apply for a debit card. Also you must be at least 18 years old to apply unless a parent or guardian is on the account and assumes the responsibility. View Disclosure information. Come into any of our branches and fill out an application. Non-members of the Southbridge Credit Union must make a one-time interest-earning deposit of $25 into a regular share account to establish membership in order to open a checking account. For our Debit Card our ATM/Cash limits are up to $500.00 per day; our point-of-sale (POS) daily limits are up to $1,000.00 per day.

About Your SCU Debit MasterCard®

Access money from ATMs displaying the NYCE or Cirrus logos.

There is no transaction fee when you use an SCU ATM. At a foreign (non-SCU) ATM, that credit union or bank could charge you a surcharge. You can avoid a surcharge by using any ATM with the SUM or Allpoint symbol.

For Your Convenience...

If you lose your Debit MasterCard®, report it right away to toll-free (800) 554-8969. This phone service is open 24/7.

To contact eNFACT Security about debit card issues, please call toll-free (877) 253-8964 within the U.S. or (973) 682-2652 outside the U.S.

SCU ATM Locations

  • Main Office
    205 Main St.
    Southbridge, MA 01550
  • Center at Hobbs Brook Branch
    120 Charlton Rd.
    Sturbridge, MA 01566
  • Fiskdale Branch
    514 Main St.
    Fiskdale, MA 01518
  • Auburn Branch
    732 Southbridge St.
    Auburn, MA 01501
  • Harrington Memorial Hospital Lobby
    100 South St.
    Southbridge, MA 01550
  • Harrington - Webster
    340 Thompson Rd.
    Webster, MA 01570

Our ATM card has limits up to $500.00 per day.

Allpoint Network

We now offer our members 50,000 surcharge-free ATMs at local and national retail locations coast to coast and in the UK.  Simply use your SCU Rewards Debit or ATM Card and all transactions at Allpoint ATMs are surcharge-free, guaranteed.

To find an Allpoint ATM, visit The Allpoint Network.


SUM Network

We have joined with about 175 financial institutions to form the SUM program. There are over 1,000 SUM ATMs all across Massachusetts. Saving you money when you use a SUM ATM is just one more example of the way we respond to our members' needs.

To find a SUM ATM, visit the SUM Network.


Accel Exchange

ACCEL Exchange debit payment network provides you with anytime, anywhere access to your funds. Their expansive ATM network covers all 50 states, US Territories, and Canada. ACCEL Exchange gives you the ability to use your ATM and Debit Cards to make purchases and get cash back at retailers nationwide and to pay your bills online.

To find an ATM or participating retailer visit

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ENFACT: Fraud Detection

To protect your account, we monitor debit card and ATM transactions for potentially fraudulent activity through eNFACT, a Fraud Detection Program. Possible fraudulent activity may include a sudden change in location, a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent ATM or debit card use, our monitoring agency will be calling you to validate the legitimacy of your transactions.


You May Be Called...

If fraudulent ATM or debit card use is suspected, you will be called to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • The automated call center will ask you to verify recent transaction activity on your card
  • You'll be asked to verify your identity and provide your 5 digit zip code.
  • You'll be able to respond via your touchtone keypad.
  • You'll be provided a toll-free number to call should have you additional questions.


Protect Yourself

Unless absolutely required for a legitimate business purpose, avoid giving out your:

  • Address and Zip Code
  • Phone Number
  • Date of Birth
  • Social Security Number
  • Card or Account Number
  • Card Expiration Date

Your PIN is private - never give it out.

Online, you should never respond to unsolicited emails that:

  • Ask you to verify your card or account number
  • Send account information
  • Link to websites


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Money Market 

Minimum Balance Requirements

The minimum balance required to open this account is $2,500.00.

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Remote Check Deposit

Scan checks to your accounts with just your computer, scanner, and online banking. Easy to use and FREE! There is no charge to use the SCU Remote Check Depositing service. Sign, scan, send!

Remote Deposit Flow Chart

Remote Deposit FAQ

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Overdraft Privilege

What is Overdraft Privilege?

  • A financial resource that can cover your overdraft checks.
  • SCU's convenient response to your unexpected checking needs.
  • A valuable enhancement to your banking relationship
  • Not a promise, but a privilege, for you.

We can save you the expense and embarrassment of having your checks returned. The Overdraft Privilege does just that.

As long as your account remains in good standing, the Southbridge Credit Union may elect to pay your overdraft checks, rather than returning them, unpaid, to the party you intended to pay.

You will be charged service fees for insufficient funds as appropriate. Checks paid through the Overdraft Privilege enable you to avoid the additional expense of another fee charged by the party to which the check was returned.

Click here to see SCU's Overdraft Protection Policy.

How Can I Get the Overdraft Privilege?

You do not have to do anything other than keep making deposits - what could be easier?


What Happens if I Make a Mistake?

You can use your checking account with us while you cover your overdraft amount. We want to keep you as a member and to help you repay any outstanding amount. Ask one of our friendly, professional staff about how we can help.


What if I don't want Overdraft Privilege?

You may opt out of this service simply by contacting your credit union at 508-765-5454. 

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Switch to SCU Kit

Switching your accounts to SCU is easy with our convenient Switch Kit!

1. Open and print our Switch Kit document and fill in the appropriate blanks. Print out and use as many as you need.

2. Open your new account with SCU in any of our conveniently located branches.

3. Give the Switch Kit document to your old financial institution for account closures and your Payroll Department for direct deposit switching.

Welcome to SCU!