Consumer Checking

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:

  • Debit and Credit Card registration
  • 3-in-1 Credit report
  • 3-in-1 Credit file monitoring
  • ID Protect®- Identity theft protection for you and your family
  • Debit AdvantageTM- buyer protection and extended warranty on purchases
  • Cellular Telephone Protection- Low deductible and covers damage or theft
  • Free AD&D Insurance- Complementary coverage of $2000 just for being a Siskiyou member.
  • Travel and leisure discounts- get great discounts for hotels, restaurants, rental cars and more!
  • Shopping Rewards- Enjoy savings at thousands of retailers and even cash back!
  • Family Health Discounts- Save on prescriptions, vision, and dental

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)
  • Up to 5 free gift cards 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.