Get up to $300*

Earn up to $300 within the first three months of opening a Momentum Checking Account!

Momentum Checking

Our Momentum Checking is a free checking account that includes powerful digital tools to help you manage your money with confidence, anytime, anywhere. Simply deposit at least $500 into your account during each 30-day period during the first 90 days, and you'll receive $100 credited to your account for each qualifying month* Plus, Shop & Earn up to 1.50% APY**.

Momentum Checking Features

Buy Now Pay Later

Split eligible purchases into manageable installments to ease the immediate financial burden and help with budget management.


Monitor your credit score, evaluate your debt with a real-time debt-to-income (DTI) calculator, and see the potential impact of future financial decisions on your score instantly. Access comprehensive credit insights all in one place. 


Earn up to 20% cash back when you purchase gift cards from your favorite brands. With hundreds of options, you can earn rewards on everything from daily necessities to special treats. 

Surcharge-Free ATMs

Easily use your card on the go, no matter where you are. When you open your Momentum Checking account, you’ll have access to 70,000 ATMs nationwide, and more than 400 on Long Island.

Extended Banking Hours

Interactive Teller Machines (ITMs) are an exciting new technology combining the features of a traditional ATM and the ability to interact with a live personal banker via video - as well as additional transaction types.

Online Banking

Monitor and pay your bills anytime with our 24/7 online and mobile banking tools. Enjoy convenient, round-the-clock access to manage your payments.

Courtesy Pay

Avoid insufficient funds fees with Suffolk Credit Union's Courtesy Pay Overdraft Protection. Ensure your transactions are covered, preventing declined payments and costly fees.††

Mobile Wallet

Use our safe and secure mobile wallet with tap & pay for convenient, contactless payments. Simplify your transactions effortlessly and enjoy peace of mind.


Zelle® is available right from online and mobile banking so you don’t need to download anything new to start sending and receiving money!

*Offer valid for accounts opened May 29  – July 31, 2024. Deposit at least $500 in one transaction each 30-day period (with money not already on deposit at Suffolk Credit Union) for the first 3 months and earn $100 at the end of each 30-day period. Existing memberships without a checking account in the past 90 days are eligible. Promotional month is calculated from the account opening day (Period/Month 1: 1-30 days, Period/Month 2: 31-60 days and Period/Month 3: 61-90 days from account opening date. Cash bonus(es) will be reported as income on IRS form 1099-INT.

**Rates valid as of 5/29/24. Momentum Rewards provides a high-rate dividend each month to members that complete at least 20 debit card purchases per month and maintain an average daily balance of $5,000 in their Checking account. Accounts meeting the monthly criteria will automatically receive 1.50% Annual Percentage Yield (APY) applied to balances up to $20,000 and 0.05% APY applied to balances greater than $20,000. Dividends are calculated on a day-of-deposit to day-of-withdrawal basis and credited monthly. Rates and terms are subject to change after account is opened. Membership eligibility rules apply. Fees could reduce the earnings on the account. 

†Each additional out-of-network ATM transaction will incur a $2.50 fee. Other ATM operators may charge fees. 

††Courtesy Pay is a non-contractual overdraft courtesy that is available to eligible individually/jointly owned accounts in good standing for personal or household use. Suffolk Credit Union reserves the right to limit participation to suspend, revoke or discontinue this service without prior notice.