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Checking Accounts

Multiple options and benefits allow you to manage your daily finances with ease and confidence.

  • Visa® Debit Card 
  • Access to 30,000+ surcharge-free ATMs nationwide
  • Free Digital Banking and Mobile App*

Checking accounts that fit your needs

Our full-service checking accounts make day-to-day personal finances convenient and affordable. Manage your daily finances with a checking account that has multiple benefits, 24/7 access and 30,000+ surcharge-free1 ATM locations.

Account Type


take control of your daily finances with an affordable and interest-bearing account

designed for members who almost always bank online; requires enrollment in eStatements

for students age 13 to 25; requires joint owner if under 18

Opening Deposit




Dividends Minimum Balance




Monthly Fee

waived with Direct Deposit or eStatements3



Visa® Debit Card

Overdraft Protection

when linked to Savings Account4
when linked to Savings Account4
when linked to Savings Account4


surcharge-free thru nationwide CO-OP® network5
surcharge-free thru nationwide CO-OP® network5
surcharge-free thru nationwide CO-OP® network5

Digital Banking


Lost or Stolen Debit Card?

We understand your debit card is your lifeline to your checking account. If your debit card is ever lost, stolen or severely damaged, contact us.

Need to Dispute a Debit Card Transaction?

you can submit a debit card dispute anytime, anywhere, 24/7 from the CCU Mobile App. Simply click on "Debit Card Dispute" under the "More" menu.

ATM Card

For members who prefer an ATM card, this convenient card allows full access to network ATMs for account transactions but is not enabled to provide purchases at retail locations, online stores, or most point-of-sale locations. Available upon request.

Tools & Resources to help make your day-to-day more manageable.

Visa® Click to Pay

Love to shop online but tired of all the hassle when it comes time to pay?

Explore Visa

Overdraft Services

Mistakes happen. Put your mind at ease knowing your transactions will be covered.

Learn More

Switch Direct Deposit

Transferring your direct deposit from your previous financial institution to ours is a breeze with our self-service tool available within our Mobile App or Digital Banking.

Set Up Direct Deposit

Terms and Conditions

1Requires enrollment in eStatements. Account will default to Personal Checking without notice if eStatement enrollment is not completed.

2Balances over $10,000 will earn dividends. See current rates, terms and conditions online.

3$2 monthly paper statement fee waived with eStatements, or direct deposit ($400+/mo. minimum into checking that receives the direct deposit), OR if under age 18 or 65+.

4With enrollment in Overdraft Protection.

5All ATMs in the CO-OP network are fee-free to members. CO-OP is a nationwide network of over 30,000 surcharge-free ATMs owned by credit unions, as well as participating 7-Eleven® store ATMs.

* Standard text and/or internet charges may apply depending on your carrier and service plan.

Programs (including but not limited to fees, rates, and features) are subject to change without notice. After the account is opened, dividend rate and APY may change at the credit union’s discretion. Fees may reduce earnings.

View our complete Personal Account Agreement & Disclosure.