Santa Clara County Federal Credit Union Logo




County Federal continues to look for ways to serve you better, and save you money. Big banks continue to look for ways to make more profits and charge more fees.

Instead of offering multiple checking account options with various requirements to waive monthly service fees, we offer one simple solution: Rewards Checking. Rewards Checking is a straightforward checking account that is truly free. No monthly service fee and no direct deposit requirement; plus the added convenience of a free Visa Check Card without any usage fees†.

Rewards Checking gives you unlimited use of the CO-OP ATM Network (including participating 7-Eleven® and Costco® Stores) and Point Of Sale, you’ll get four free monthly transactions at other financial institutions’ ATMs† with a daily withdrawal limit up to $1,000* per day! Can a big bank do that for you?

If you’re fed up with all the fees of your big bank, then switch your checking account to County Federal Rewards Checking.

Open an Account Now   Or contact us to learn more about how you can open an account today!

†Other Financial Institutions’ fees may apply.

Rewards Checking Features Starts Free Gets Better
Free ATM Card or Visa® Check Card    
Free Online/Telephone Banking Apps    
Free Mobile Banking Apps    
Free ATM Access*    
Free car shopping assistance    
Free Credit and Debt Counseling    
No monthly service charge on Rewards Checking Account    
Free Active Bill Payment Service    
First order of checks are free****    
Courtesy Pay    
No minimum balance requirement for Rewards Checking    
Recognition on tenure on checks    
No direct deposit requirements    
Free Identity Theft Resolution Service through Identity Theft 911    
Free Medallion and Signature Guarantee Validation    
Premium Rate on Regular Share Savings Account***** n  
Free, unlimited ATM use at all other financial institution* n  
Periodic bonuses and offers n  
Dividends on Rewards Checking n  
One free Courtesy Pay waiver per year n  
Free statement copies n  
Free Cashier’s Checks and Money Orders n  
Free outgoing wire transfers n  
Periodic Loan discounts and offers n  
Equity Advantage Line of Credit annual fee waived n  
Equity Advantage Plus Line of Credit annual fee waived n  

*Starts Free: Free unlimited monthly ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply) and unlimited use of CO-OP Network ATMs (including 7-11 stores) and POS, $500.00 withdrawal limit per day. Gets Better: Free, unlimited monthly ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply), unlimited use of CO-OP Network ATMs (including 7-11 stores) and POS, $1000.00 withdrawal limit per day.  ****Applies to standard County Federal checks. *****To receive premium rate for the current quarter, your account must be in the Gets Better Option on the last day of the previous quarter.

Product Combination 1-Maintain all of the following: A Rewards Checking Account; A consumer loan with an active balance greater than zero on the last day of the month or a VISA Credit Card with activity within the last 12 months; An average daily balance of $1,500 or more in aggregate Share Accounts for the month OR Product Combination 2: Maintain an average daily balance of $50,000 or more in aggregate Share and/or Loan Accounts, excluding first mortgages. (Average Share Account balances are calculated for the month; Consumer loan balances are as of the last day of the month).

Note: Based on the program requirements, members will be placed into their Relationship Rewards option on the 1st of every month. Fees are applied based on your current option. For a copy of the current Fee Schedule, please click here.

For a copy of the Truth in Savings Disclosure, please click here


ATM Card
Access your accounts from thousands of 24-hour ATM’s belonging to the CO-OP, ACCEL, Star and PLUS networks. For free ATM access, use a County Federal or CO-OP ATM whenever possible.

VISA Check Card
Your County Federal VISA Check Card takes the place of checks wherever VISA is accepted…even if regular checks are not welcome. Use it for everyday purchases at the mall, the grocery store, your favorite restaurant, or for phone and mail orders. The amount will be deducted from your Rewards Checking Account and the transaction will appear on your monthly checking statement.


Interactive Fraud Text Alerts

Our text alert service allows you to keep tabs on suspicious activity instantly. At County Federal, we want to make sure that using your debit card is always as safe and convenient as possible. That’s why we use text alerts as part of our ongoing fraud monitoring program.

How It Works:
With interactive fraud alerts, if our system detects suspicious activity on your card, you’ll receive a text message with details about the suspected transaction. All you have to do is respond to the text to confirm the transaction. If you indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up. If not, you’re all set. The system will mark the transaction as legitimate and you can get on with your day – simple as that.

You must have a County Federal Checking Account in good standing to receive a VISA Check Card. All new accounts are subject to verification.

View Full Disclosure



Overdrafts to your checking account are seldom planned, but usually occur at the most inopportune times. For this reason, it’s important that you maintain some form of overdraft protection. County Federal offers a number of overdraft options to ensure your everyday checking transactions are covered. Keep in mind, you are not limited to just one; all these options are available as a form of overdraft protection for your Rewards Checking Account.


You can opt to use your Savings Account as a form of overdraft protection. In the event you overdraw your checking account, the overdrawn amount will be transferred from the designated savings account. Certain restrictions may apply.*

*Federal Regulation D establishes the requirement for all banks and credit unions to maintain a particular monetary reserve amount at the Federal Reserve Bank. Regulation D sets limits on non-transaction accounts (Share Savings accounts, Money Market accounts, and Share Certificate accounts) to ensure funds intended to be deposited for savings stay within the financial institution. If members use their non-transactional accounts as transactional accounts (Checking), financial institutions are at risk for federally mandated penalties. In general, a transactional account is one designed for frequent, unlimited transfers of money without withdrawal penalties. If you access non-transactional accounts more than six times per month through a non-personal withdrawal, you may be charged a penalty fee in accordance with Regulation D. Non-personal withdrawals include the following transactions: ACH transfer, automatic transfers to other accounts, Online Connection transfers, Direct Connect 24 transfers, transfers over the phone, overdraft transfers, checks, or point of service (POS)/Check Card transactions. Personal withdrawals made in person at a branch, via ATM or in writing are exempt from Reg D limitations.  


Avoid “bounced” or returned checks with our Overdraft Line of Credit. In the event of an overdraft, the funds are automatically transferred to clear any outstanding checks up to your approved credit limit. Using an Overdraft Line of Credit is less costly than paying an NSF (non-sufficient funds) fee and you only pay interest on the amount that was transferred to cover the overdraft. Plus there are no restrictions on the number of overdraft transfers from a Line of Credit.


Apply Now Or give one of our Loan Advisors a call today at 408-282-0700!



County Federal offers Courtesy Pay as a value added service that will pay an item presented for payment against your Rewards Checking Account, even if it causes the account to become overdrawn. Courtesy Pay even extends to your VISA Check Card or ATM Card. You may be able to overdraw your Rewards Checking Account up to our policy limit (currently $750 but subject to change at any time), as long as your account is in “good standing” and has been open at least 60 days. A $29 per item fee will be incurred each time we pay against an overdrawn account. Federal lawmakers created new rules governing overdraft protection programs which went into effect July 1, 2010. You must now Opt-In if you want to continue coverage through Courtesy Pay to cover your ATM and everyday debit card transactions in the event you exceed your available checking account balance. To Opt-In to Courtesy Pay Program, simply click here, or you may also click here to print the Opt-In form and return by mail. Or visit any County Federal Branch.

Click Truth in Savings Disclosure to view full Courtesy Pay Disclosure



County Federal understands your identity is your most valuable asset—that’s why we’re proud to provide you and your family members with identity protection services as part of our Rewards Checking program—at no additional cost. Powered by CyberScout, America’s premier provider of identity services, you’ll always receive the identity theft protection you and your family need.

Identity theft protection at every stage. Identity thieves steal mail, skim credit cards, hack into ATMs and rummage through garbage in the search for their next victim. In the blink of an eye, criminals misuse bits and pieces of your personal information to obtain fraudulent credit and make unauthorized purchases. No matter what stage you are in life, your identity will always be a prime target for thieves—you may not be aware of it, but the different stages of life put you at risk for different types of identity theft. For example:

  • For those under 18 – children often have just the right combination for identity thieves: a Social Security number and clean, or nonexistent credit.
  • In your 20s – new jobs, new apartments, maybe even a new spouse. It’s easy to lose sight of your identity amid the flurry of fun.
  • In your 30s and 40s – kids, mortgages, car payments. There’s never been so much as stake.
  • In your 50s – Empty nesting, a taste of freedom…and college tuition. Just when things seem to be settling down, new responsibilities—and risks—kick in.
  • In your 60s and up – whether it’s time for early retirement or running after the grand kids, these can be special years.

During any stage of life our personal fraud specialists will guide you through the proactive and resolution process—no matter what your identity issue is—until your problem is fully resolved and your peace of mind is restored. Identity thieves are smart. We’re smarter. Just as we rely on technology to make our lives easier, thieves and criminals rely on the same technology to steal personal information and commit fraudulent crimes. Protecting your identity is our priority; rest assured that our identity protection services are comprehensive and adaptive to changing times. With County Federal identity protection services, you can also get assistance with trending threats, including:

Email Compromise Assist – Thwart, detect and recover from email hacking. Plus, get help managing your identity, privacy and reputation in your online communications.

Social Media Compromise Assist – Get smart about managing your family’s reputation on social networks and help your children recover from online bullying with our expert guidance.

Phish Assist – Sidestep phishing scams with our detection and recovery support when crooks try to steal your online usernames, passwords and credit card data.

Device Compromise Assist – Protect devices—smartphones, tablets, computers and more. Call us before or after an exposure, or when your device is lost or stolen.

Breach Assist – Respond swiftly, confidently and correctly with our security experts’ help when companies notify you that your data has been compromised.

Assisted Living Fraud Support – Lean on us for guidance in power of attorney and legal guardianship matters to help avoid fraud while caring for loved ones.

Don’t wait until you’re a victim. If you want more identity theft information or think you might be a victim of identity theft:

  1. Simply call us at 408-282-0700 or 800-282-6212.
  2. We’ll transfer you to your personal‐touch fraud specialist at IDT911’s Resolution Center. There is no added cost to you for these services, no matter how often you talk to a fraud specialist.

These fraud specialists determine your best course of action, cut through the red tape and do most of the heavy lifting—so you don’t have to struggle on your own. For news on the latest identity scams and access to a wealth of resources and proactive tips to help you avoid becoming a victim, visit
Note: Identity protection services are available to a spouse and/or immediate family members under 26 years old formwho live in the household.

formerly IDT911

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