Senate Checking is a basic account with no minimum deposit or balance requirements. It does not earn interest, but there are no monthly fees to worry about. It comes with an ATM card and access to an extensive, free ATM network.
If you have to use a non-network ATM, United States Senate Federal Credit Union wonâ€™t assess a fee on the first four out-of-network ATM transactions each month. However, it doesnâ€™t refund any fees that the ATM owner may charge. This checking account earns no interest.
To open a Senate Checking account, you must first be a member of United States Senate Federal Credit Union. You can join if you â€” or a member of your household â€” meets employer requirements. Alternatively, you can join the Virginia Chapter of the American Consumer Council (VACC), or joining the U.S. Capitol Historical Society (USCHS) to be eligible for credit union membership.
You can fill out the membership application online in about 15 minutes. Youâ€™ll need to provide a PDF or JPG digital version of your driverâ€™s license or other identification, address verification through a paystub or utility bill, and a credit or debit card to fund the account. When you join, youâ€™ll also need to pay the $1 credit union lifetime membership fee, and open a savings account with a deposit of at least $5. Processing the application can take two business days or longer.
If you prefer, you can also apply at a branch, call 1-800-374-2758, or send an email to [email protected] to request an application.