Personal Banking
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Go beyond traditional banking, whether you’re looking for an account with multiple features like checks and earned interest or simply a place to store your money safely.
We make personal banking easy to support! While our members reach their financial potential, they also help support the communities they call home, with every transaction!
Please Select Account
A Sierra Central Checking (transaction) account provides easy-to-use features and added benefits to go beyond traditional banking. If you’re looking for an account with multiple features like checks and earning interest or a simple transaction account to manage your monthly finances safely.
All accounts include:
Visa Debit Card
Access to 30k+ Nationwide ATMs
20 Branch Locations
Online & Mobile Banking
Overdraft Protection
Youth Choice
13-25 Years Old
Choice
Select
Prime
Account Fees
Monthly Service Fee
$0
$0
*
$8
$8
Minimum Opening Fee
$25
$25
$25
$25
Minimum Monthly Balance
$0
$0
$0
$0
Account Benefits
Debit Card
In-Branch Customer Service
Online Banking
ATM Use (19 branch locations)
ATM Use (at 30,000 surcharge free ATMs via Co-Op ATM Network)
Bill Payer
SMS Alerts
eStatements
Account-to-Account Transfers
24/7 Access to Online Banking
Transaction Alerts
Apple &Android Pay
Extra Benefits
Overdraft Protection
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*
*
*
*
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*
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Unlimited Checks
Interest Earnings (on balances of $2,500 or greater)
Change-It-Up**
(round up and transfer to savings)
*Free when the following conditions are met: Under the age of 25 years or sign up for eStatements and Online/Mobile Banking and use your Debit card 1x per month. **Available when you link your Checking account to one or more of the following: Savings account, Line-of-Credit, and/or Courtesy Pay (Courtesy Pay not available for those 18 years of age and younger).
Saving for a rainy day?
Membership Savings
Our Membership Savings account is the only required account for members. It provides membership eligibility and serves as a basic Savings account. This is the cornerstone of our loan funds.
Open an Account
It's never too early!
Minor Savings
It’s never too early to start learning the importance of saving. Set up automatic transfer, earn dividends and watch your balance grow.
Youth SavingsGrow your savings automatically.
Change-It-Up
By rounding up each of your purchases to the nearest dollar, you can save your spare change and grow your savings!
Enroll in Sierra Central's Change-It-Up program and use your Debit card (Checking account) for daily purchases. You can use this card for online and recurring payments, to collect the most change.
Use your card for everyday purchases at grocery stores, restaurants, or for online purchases. Simply spend as you normally do.
The program rounds up your purchase to the nearest dollar amount and transfers the change from your Checking account to your Savings account.
Finally, watch your Savings account grow!
With typical weekly purchases of:
- - Coffee $4.70 = +$0.30
- - Lunch $18.46 = +$0.54
- - Groceries $279.19 = +$0.81
- - Gas $50.42 = +$0.58
- - UBER $11.50 = +$0.50
- - Online Purchases $56.15 = +$0.85
- - The Movies $27.64 = +$0.36
Total Spare Change for the week = $3.94
For the month = $15.76
For the year = $204.88
To enroll in our Change-It-Up program call or stop by one of our branches and ask to be set up. It is that easy!
Find a branch
Get “Back to Financial Basics,” with a Club Account!
Club Account
Club Accounts help you save for some of life's more expensive events. Set up an automatic monthly deposit for as little or as much as you want. Your balance will transfer to a designated checking or savings account just in time.
Holiday Club
October 23rd transfer date, with a $10,000 limit.
Back-to-School
July 23rd transfer date, with a $25,000 limit.
Vacation Club
May 23rd transfer date, with a $15,000 limit.
Tax Club
March 16th transfer date, with a $25,000 limit.
Open an Account
Digital Banking
Seamlessly manage your finances from anywhere with our digital banking app!
Enjoy enhanced security, real-time transaction alerts, and personalized financial insights that keep you in control and your financial goals within reach.
- Mobile check deposit
- Open a new account
- Zelle® person-to-person payments
- Set up and pay your bills online with Bill Pay
- Check transaction details and balances 24/7 from your mobile device or computer
- Online banking
- Mobile app for Apple & Android device
- Transfer funds from one account to another
- Make your Sierra Central loan payments
Courtesy Pay
Having a transaction denied or returned due to insufficient funds can be expensive and embarrassing.
That’s why Sierra Central offers Courtesy Pay, an overdraft protection program that provides an added level of financial protection when you need it the most!
Your monthly Checking account statement will reflect overdraft activity that may have occurred on your Checking account during the month. Your statement will show the amount of fees that may have been applied to your account for the current month and also year-to-date fee amounts.
We are happy to review Courtesy Pay and its features with you, along with giving you other options to add convenience and ease to your account.
Please call us at 800-222-7228 for more information.
If you have other accounts with us, you can authorize us, in advance, to transfer the funds needed to cover your overdraft. There is a small fee for this service. Ask a Member Service Representative for more information.
Change-It-Up
Enroll today in our Change-It-Up savings program and every time you use your Sierra Central VISA® Debit card, your transactions will round up to the nearest dollar, with the difference transferred to your Main Share Savings account.
A simple way to save
To enroll, call us at 800-222-7228 or visit one of our branch locations.
Open an Account
Relationship Rewards
Sierra Central Relationship Rewards* is a program that offers low or no-cost products and services based on a members household relationship. Benefits include:
No Charge Checking Accounts
Signature Loan Rate Discounts
Waiver of Real Estate Loan Processing & Underwriting Fees
No Charge or Discounted Printed Checks
No Charge Cashier Checks
Visit one of our 19 branch locations to learn how to qualify.
*Relationship Rewards Program is subject to certain rules and restrictions. Membership and/or participation fees may apply. The program is subject to change at any time without notice.
Insurance Services
Adding a layer of protection on your loans and finances can help!
Guarantee Asset Protection
A low-cost insurance coverage for cars, trucks, motorcycles, jet-skis, snowmobiles, ATVs, boats, and RVs, that could pay the potentially high-cost difference between your insurance settlement and your loan balance, in the event your vehicle is stolen, accidentally damaged beyond repair, or otherwise declared as a total loss. GAP coverage could pay off any remaining loan balance that was not covered by your insurance, up to 125% of your loan to value.
Mechanical Breakdown Protection
A protection plan that can pay for the cost of repairs to your vehicle and other incidental expenses in the event a covered mechanical repair occurs.
Debt Protection
An insurance plan that could cancel/suspend (depending on package purchased), the payment on your loan in the event you are affected by a life event.
Depreciation Protection Waiver
Depreciation Protection kicks in if your vehicle is ever totaled or stolen and not recovered.
Auto
Offered through Liberty Mutual and TruStage. Save on car insurance with protection from Liberty Mutual that is simple to get and simple to understand.
Home
Switching to Liberty Mutual Insurance, made available through the TruStage program, could help save you hundreds.
Life
TruStage will work with you to select a policy that’s right for your budget, with ongoing support and no hassle.
Accidental Death and Dismemberment
Joining Sierra Central makes you part of our family. And we protect our family members with $1,500 Accidental Death and Dismemberment Insurance Coverage - at no cost to you.
