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We don't mean to brag, but our checking account is Xceptional.

Time to reorder checks? Order onlineOpens in New Window

Easy Access to Your Checking Funds

Access your funds at thousands of convenient locations, 24 hours a day, 7 days a week through our extensive nationwide surcharge-free ATM network. Find an ATM near you.

Our American Pride debit card features a waving Maryland Flag

Convenient & Safe Purchasing Power

Use your debit card to make purchases online and at most retail locations. Equipped with EMV technology, our Visa Debit Cards are not only convenient, but safer than carrying cash.

Added Security of Real-Time Alerts

Keep track of your Visa card usage and help avoid possible fraudulent activity when you enroll your Visa debit card in free Visa Alerts. With this service you will receive real time alerts via text or email whenever your Visa card is used to make a purchase. Enroll in Visa Alerts.

Turn Your Visa Debit Card Purchases Into Cash

Purchase Rewards is a free benefit to Securityplus members available through Online Banking. Take advantage of special offers and discounts from local and national retailers and get cash back by using your Securityplus Visa Debit Card.

Log into your online banking account and your rewards will be automatically displayed under "Purchase Rewards".*

  • Click to activate the offers that interest you.
  • Shop online or in-store to redeem your offer, using your Visa Debit Card for payment.
  • Enjoy cash back, deposited directly into your account at the end of the next month.
*Online Banking users, with a Visa Debit Card, will automatically receive offers. You may opt-out of this service at any time. It may take a few weeks before you begin to receive offers.

Pay by Digital Payment App with Securityplus Visa Credit and Debit Cards

Take advantage of these convenient digital payment apps to make secure purchases right from your smartphone.

Out of Area Protection

As a protective measure for our members, suspicious transactions may be blocked. This includes use of your card in places that are not ordinary for you, such as other parts of the country or overseas.

let us know your travel plans

Notify us of your travel plans to reduce the risk of your card being rejected while away. Submit a Travel Authorization Request via Online Banking using ''Secure Forms''. You may also print and complete a PDF Travel Authorization RequestOpens in New Window and return it to any branch or fax it to 410-281-6273.

Countries/States Blocked from Processing Visa Transactions

As a fraud prevention measure, the following countries and states are currently "blocked" from processing transactions with Securityplus Visa Credit and Debit Cards. If you plan to travel to certain blocked locations, a temporary exclusion may be made when submitting your Travel Authorization Request.

Visa Credit Card Blocked
Visa Debit Card Blocked
Saudi Arabia
South Africa
UK/Great Britain
(England, Wales, Scotland & North Ireland)
Visa Credit Card Blocked
Visa Debit Card Blocked

The U.S. Government has placed sanctions on the following countries. Your VISA Credit and Debit cards cannot be used in these countries:

Cote d''Ivoire (Ivory Coast)
Democratic Republic of the Congo
North Korea

Savings Overdraft Service

Savings Overdraft Service attempts to cover Checking Account overdrafts on checks, purchases and ACH payments by transferring funds from your selected Savings Account or Personal Line of Credit. There is a $1 per transfer fee for this service.

Courtesy Pay

Courtesy Pay adds $500 of pre-approved coverage to your Checking Account to cover checks and ACH payments. Your account will be assessed a Courtesy Pay charge of $30 for each item paid against your overdrawn account. Members in good standing are automatically opted-in for this service with no additional authorization needed. You may choose to opt-out at any time.

Premium Overdraft Protection

In addition to Courtesy Pay, Securityplus offers Premium Overdraft Protection to provide $500 in coverage for Visa Debit Card purchases and ATM transactions. Your account will be assessed a Premium Overdraft charge of $30 per item paid against your overdrawn account. You must opt-in to receive this coverage and you may opt-out at any time.

take advantage of Overdraft protection:

  • Log-in to Online Banking, click on the ''Forms'' tab, and securely complete and submit a form;
  • Call 410-281-6200 or 1-866-4SECPLUS to request a form; or
  • Visit the nearest branch

If you opt-in for Overdraft Protection but never use this service, there is no charge to you. You withhold the right to revoke or change your election at any time.

*Revive Checking is not eligible for Courtesy Pay or Premium Overdraft Protection.
**We will charge a $30.00 fee each time you pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize or pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Enjoy the Convenience of Direct Deposit

Direct Deposit is free and convenient. To enroll, you must first verify that your payment issuer participates in Direct Deposit. When submitting your request, provide them with the following information:

Name of the Financial Institution: Securityplus Federal Credit Union
Routing Number: 252076714

If you're signing up for Direct Deposit into a new account, you must make an initial deposit of at least $5.00 with your new account application. 

Once you have established Direct Deposit, you may log in to Online Banking to sign up for Payroll Deductions and define how your deposit should be allocated across your accounts and loan payments. 

Checking Rates
Effective Feb 1, 2019
Description Dividend APY Min Open Deposit
Revive Checking 0.00% 0.00% $25
Xceptional Checking 2.96% 3.00%* $0
*APY = Annual Percentage Yield. Dividends are calculated using the daily balance method which applies a daily periodic rate to the principal each day. Members who meet the monthly requirements will receive an APY of .07% on balances over $10,000. Members who do not meet the monthly requirements to receive the 3% APY will receive an APY of .05% on their checking account balance. Purchases must have been posted prior to the last day of the month in order to count towards the 15 purchase minimum for that particular month, purchases made but still ‘pending’ are not counted. Rate subject to change.

Veronica J.Member Since 2007
happy member

"It was such a wonderful experience because many banks make you feel inferior ...They're making an impact on the lives they serve at Securityplus."

Veronica has been a member of Securityplus Federal Credit Union for over 10 years. She's watched our staff grow to a quality of excellence, and knew this was the Credit Union for her by how kindly she was treated.

Read veronica's story
Open Your Checking Account Today!
Already a member? Log into Online Banking to open an Xceptional Checking Account.
Visit one of our branch locations to open a Revive Checking Account.


We were named 'Corporate Citizen of the Year'!
credit union staff

Securityplus was named 'Corporate Citizen of the Year' by Strong City Baltimore.

Join Securityplus Today

If you live, work, worship, or go to school in the City of Baltimore; are employed by or retired from SSA or CMS; or are in the immediate family of an existing member, you are eligible to join our credit union.


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