At Sea West you can choose the checking account that best fits your budget, lifestyle and needs.  Regardless of which plan you select, we make it easy to manage and access your money, no matter where you are.


FREE Checking for Active Duty Military & Honorably Discharged Veterans


This special checking account comes with:


  • No minimum balance requirement
  • No fees or monthly service charges*
  • FREE unlimited ATM transactions at Sea West ATMs and over 30,000 CO-OP Network ATMs
  • 1 box of personalized, basic style checks per year
  • 4 FREE out-of-network ATM transactions per month


* Non-sufficient funds (NSF) fees apply


PLUS, All Sea West checking accounts come with: 


  • A Sea West Debit Card –  from MasterCard® for ATM and Point Of Sale transactions. Debit cards offer secure and convenient card access to your Sea West checking account.  Your debit card replaces writing checks at most retailers and you can use it as another way to get cash when and where you need it, including FREE ATM transactions at Sea West and CO-OP Network ATMs.
  • Free Mobile App – Bank and deposit checks using your mobile device.
  • Free Online BankingVirtual Branch allows you to transfer money between accounts, get balances, view cleared checks and send us secure e-mail.
  • Free Online Bill Pay Service — schedule one-time and recurring payments, send money to friends and family.
  • Free ATM Access – across the country and around the world at Sea West and CO-OP networks ATMs
  • Free, unlimited deposits and withdrawals on available funds at any Sea West or CO-OP ATM
  • Up to 4 free withdrawals a month at other ATM networks such as STAR, PLUS, CIRRUS and AFFN; then just $2 per transaction.


Not active duty military or a veteran?  Choose between Basic Checking and Beacon Checking:


Feature  Beacon Checking
Basic Checking
Opening Deposit $25   $100
Write Unlimited Checks with No Per Check Charge Yes, and your first order of basic style checks is free Yes
Monthly Fee $7.00 $7.00
Balance Required to avoid a fee  $300 average daily balance


Direct Deposit of at least $300 per month to your Sea West account.

$300 average daily balance


Direct Deposit of at least $300 per month to your Sea West account

Interest Earned No Yes, on average daily balances over $100
Automatic Transfers Free and unlimited Free and unlimited
Check safekeeping Yes Yes
View cancelled checks online with Virtual Branch  Yes Yes


Its easy to come aboard with a Sea West checking account.  Just visit one of our branches or call our Member Service Representatives at 800-SEA-WEST.


Consult our Member Handbook and Fee Schedule for other applicable charges.


Maximize your account with Overdraft Protection:


Sea West offers Overdraft Protection for your checking account!  An overdraft occurs when funds are withdrawn from an account and the account balance drops below $0.  There is a service charge for each overdraft transfer to cover insufficient funds


Overdraft Protection From Your Sea West Savings Account :


Allows funds from your Sea West savings account to transfer to your Sea West checking account, up to 6 transfers per month, to cover overdrafts. Can be used to cover insufficient funds occurring from debit transactions, checks, automatic bill payments (including ACH)


Just let us know that you would like to set-up overdraft protection using your savings account by calling us or visiting one of our branches.


Overdraft Protection From A Sea West Line Of Credit:


If you prefer, you can apply for a line of credit to be used to cover overdrawn checks and ATM withdrawals.  There is a small service charge for each overdraft transfer to cover insufficient funds.


Apply online right now, or contact us for more information and an application.