Checking That Fits Your Life
At SPX FCU, checking accounts should feel easy to manage and even easier to trust. Whether you need an account for everyday spending or a fresh start, we offer straightforward options designed to support your financial life.
Explore our checking accounts below and find the one that fits how you manage your money.
Open a Checking
Account Today!
Not A
Member?
Spend Account
Your Go-To for Everyday Spending
The Spend Account is made for daily life. From groceries to gas and everything in between, this is your primary spending account for managing money with clarity and control.
Account Features:
- Designed for everyday spending
- Optional line of credit for overdraft protection
- Overdraft check protection
- Competitive 5.99% APR* on Spend Account Line of Credit (optional add-on)
- Simple debit card access
- Local support when you need it
With the optional line of credit, you have a built-in cushion to help handle unexpected expenses without disrupting your routine.
Account Requirements:
A $10 monthly fee applies if minimum activity or balance requirements are not met after the first cycle:
- Enroll in eStatements and complete 10 debit card transactions
OR - Maintain a $500 minimum daily balance
Pius Account
A Fresh Start for Everyday Banking
The Pius Account is designed for members who are ready to reset and move forward with a simpler approach to managing money.
Account Features:
- Online and mobile banking access
- Mobile check deposit
- Debit card for everyday use
- eStatements and direct deposit
- ATM access
- Local support from our team
This structure helps keep spending within your balance while giving you a steady path forward.
Account Requirements:
A $10 monthly fee applies if minimum activity or balance requirements are not met after the first cycle:
- Enroll in eStatements and complete 10 debit card transactions
OR - Maintain a $100 minimum daily balance
If you are looking for a second chance checking account in Rochester, NY, the Pius Account offers a clear, manageable way to get back on track.
Ready to Get Started?
Open your account online, stop by, or call 585-247-0724 to connect with our team.
See What the SPXFCU Family Are Saying
I would recommend SPX to anyone looking for a fair and supportive credit union!
Anthony V.
member
A great value we bring to our customers is that we are not just employees, we are lifelong members.
Bob C.
employee
Everyone is treated like family at SPX. I’m proud to work here and I’m thankful that everyone at St. Pius is a part of my life.
Katelyn M.
employee
We offer a personalized service to our membership that is unmatched by our competition. We help create a more financially sound future for our members.
Matt A.
employee
As a member of St. Pius Credit Union, I’ve experienced the most wonderful customer service assistance in banking.
Randolph G.
member
SPX has excellent customer service. Everyone is helpful and friendly!
Shirley D.
member