Checking Accounts

At SPCO, we offer a terrific checking account. It offers NO per check charges and NO monthly service fees.

The following checking features apply to our On Track Checking account: ATM services via Coop®, MoneyPass®, Pulse® and Cirrus® systems Consolidated monthly statements Direct deposit Wire transfer of funds to an outside account Stop payment

Switch Kit
With our simple Switch Kit guide, we take the worry out of changing financial institutions. Moving your accounts to SPCO Credit Union is fast, simple and convenient. And when you transition to a SPCO Credit Union checking account, you'll enjoy worldwide ATM access, free online account access, no per check charge and much more!

Download SPCO Switch Kit

Complete the following forms:

1. Authorization to Transfer Funds - Complete and submit this form to your previous financial institution. This will instruct them to transfer any remaining balances to your SPCO Credit Union account.

2. Direct Deposit Request - Complete and submit this form to your employer. This authorizes your employer to deposit the amount(s) you indicate into your SPCO Credit Union account.

3. Electronic Payment Change Request - Complete and submit this form to the merchants and service providers with which you have automatic payments charged from your account. This will instruct them to update your account information. This may include: Mortgages, Cable, Phone, Gym Memberships, Loans, Insurance, Internet, Gas, Electric, Water, Pest Control, Yard Maintenance, Court-Issued Payments, Account Transfers. If you have any questions regarding your account, please contact our Member Service department by calling 713-455-8586. Visit any one of our 2 Houston locations or check us out online at www.spcocu.org to learn more about our products and services locations. We remain steadfast in our commitment to anticipate and meet the financial needs of our members, as well as making a positive difference in their lives and the community, both today and tomorrow.