Share in the advantages of FREE Debit Checking
When we say we have FREE personal Debit Checking - we mean it! No minimum balance required. No maintenance fees. No per item fees. No convenience fees. No hidden fees. No fooling!
Debit Card Daily Limits (24-hour period)
Debit Card Daily Limits
These limits can be temporarily raised, just give us a call. Let us know the date range, type of raise (ATM withdrawal or Point of Sale), and the total needed to get all your expected transactions through. We can also lower daily limits.
Average 24-hour Point of Sale (POS) transaction total:
Ex: grocery store + online shopping = total
Average 24-hour ATM withdrawal total on Debit Card:
PLEASE BE ADVISED: Each ATM also has its own maximum dispense amount per transaction and daily maximum transactions per card number. If you are trying to get a large amount of cash out of an ATM, you may not be able to get the full amount out of one ATM in a single withdrawal even when we place a temporary ATM withdrawal limit raise; you may have to withdraw from several ATMs or over several days at the same ATM.
Debit Card Travel Notices
When you plan to travel outside of WISCONSIN, MINNESOTA, NORTH or SOUTH DAKOTA, please give us a call with the dates you are traveling and what states you will be in or traveling through. If you forget to give us a travel notice, your card may be blocked assuming transactions outside this region are being fraudulently attempted; if our fraud center flags a suspicious transaction, they will reach out to you to confirm or deny the transaction.
FORGOT TO GIVE A TRAVEL NOTICE? If you arrive at your destination outside of our business hours and need to use your card, please have the merchant run your debit card through as a debit transaction requiring you to enter your PIN; this will verify it is you using your card and not someone fraudulently using your card.
Mobile Deposit checks must be endorsed “FOR SACU MOBILE DEPOSIT ONLY” and are manually reviewed Monday-Friday until 3:30 PM (excluding Holidays and other non-business days). If rejected, a reason will be emailed to you. Save checks for 30 days before marking VOID and shredding.
1 App available for download at Google Play and Apple App stores. Data carrier fees may apply.
2502 Maple Grove Rd.
Duluth, MN 55811
407 E 3rd St. Suite 0210
Duluth, MN 55805