Consumer Checking

Be Safer. Spend Smarter. It's Simple!

Siskiyou Credit Union's Platinum Checking is the platinum standard in checking accounts. You’ll get great benefits, protection, and the peace of mind you need- all for a low $5 monthly fee.

In addition to all the basic benefits that come with all of our checking accounts, with Platinum Checking you’ll also enjoy everything below.

Save When You Play

  • Travel & Leisure Discounts: Money-saving discounts from thousands of local and national businesses. Members can redeem and print coupons online or access discounts from their mobile device. Digital Access makes saving super easy and convenient, giving instant savings anywhere and anytime. *Registration/activation required:available online only.
  • Shopping Rewards: As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your Shopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it's that easy! *Registration/activation required:available online only.

Save on Health Care

  • Health Discount Savings: Enjoy savings on vision, prescriptions and dental services. This is not insurance. *Registration/activation required.

Help Better Protect Your Identity

  • Identity Theft Expense Reimbursement Coverage: Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.
  • Comprehensive Identity Theft Resolution Services: Should you suffer identity theft, your very own dedicated fraud resolution specialist will help you every step of the way until your identity is restored.
  • Debit and Credit Card Registration: Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen. *Registration/activation required.
  • Credit File Monitoring: Daily credit file monitoring and automated alerts of key changes to your Experian, Equifax and TransUnion credit reports. *Registration/activation required.
  • Credit Report and Score: Access to credit reports and credit scores. Credit Score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness. *Registration/activation required.
  • Identity Monitoring: Monitoring of more than 1,000 databases. *Registration/activation required.

Platinum Checking also Helps Protect You from Unexpected Losses

  • Accidental Death & Dismemberment Insurance: Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance. (Accidental death and dismemberment insurance coverage divides equally on joint accounts and reduces by 50% at age 70).
  • Cellphone Protection: receive up to $300 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. $50 deductible applies. Up to two claims per twelve month period. Covers up to three phones on a cellular telephone bill. (Cellular telephone bill must be paid using this account).
  • Debit Advantage: Buyers Protection covers items for 90 days from the date of purchase against accidental breakage, fire or theft. Extended Warranty extends the U.S. Manufacturer's original written warranty up to one full year on most new retail purchases if the warranty is less than five years. (Item(s) must be purchased entirely with this account for coverage).

Open an Account

We all make mistakes and sometimes we need help getting back to a clean slate.

If you have had your account closed and reported to ChexSystems, then Siskiyou Credit Union can help you get a fresh start with Fresh Start Checking. All for just $8 a month.

Here are the requirements:

  • ChexSystems record paid in full
  • Maintain only $100 balance
  • Must sign up for eStatements
  • Must be 18 years or older

Then, once you’re in good standing at Siskiyou Credit Union for one year, then you may be eligible to switch to any of our checking products.

Have more freedom with a Checking from Siskiyou Credit Union!

We don’t believe in paying extra for convenience. Get all the basic benefits and features we offer and avoid the monthly fee of $5.00 when you:

  • Maintain a $200 average monthly balance or Sign up for direct deposit
  • Enroll for a VISA® Debit Card
  • Enroll for eStatements

It’s simple!

Open an Account

At Siskiyou Credit Union, we value the seniors in our community. If you’re over 62 years of age, we offer a simple, easy to understand checking account that’ll fit your needs.

All you have to do is sign up for a Senior Savings Account and Direct Deposit and you’ll enjoy all the benefits we have to offer, including:

  • Free checks (up to 3 boxes per year)
  • Free photocopies and faxes
  • Up to 5 free incoming or outgoing wires per year
  • Up to 5 free stop payments per year
  • Up to 5 free money orders or cashier’s checks per year

Open an Account

Have peace of mind knowing your financial institution has you covered if you accidentally overdraw your checking account.

Overdraft Privilege from Siskiyou Credit Union will transfer funds into your account from one of your other accounts—like a Share Account or Line of Credit for you when there isn’t enough money to cover a transaction.

  • No overdraft fee from Share Accounts up to 6 per month
  • Avoid embarrassing declines and returned item fees
  • Pays overdrafts for ATM transactions, ACH and debit transactions, online payments, transfers, and more
  • Apply to have overdraft come from Personal Line of Credit

We all make mistakes. It happens to everyone¬– sometimes we accidentally overdraw our checking account. With Siskiyou Credit Union, you don’t have to worry because we’ve got you covered with Courtesy Pay.

Courtesy Pay is different from our Overdraft Privilege because we’ll cover you if you overdraw and don’t have enough in a Share Account to cover the transaction. 

  • Save money by avoiding things like merchant fees and check return fees
  • Low $30 fee per item
  • We’ll cover up to $750
  • Avoid embarrassing transaction declines at the register
  • We’ll cover check, ACH, or reoccurring debt card payments

What if I want to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, fill in and submit the form below.

Opt-In Now

Alternatively, you may fill in, print and mail the form to Siskiyou Credit Union, Attn: Overdraft Department, P.O. Box 1125 Yreka Ca. 96097-1125; or call us at call (530) 842-1694 and we'll be glad to help you.