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 85,000+ surcharge-free1 ATM locations.
| Account Type | Personal Open An Account | eChecking Open An Account | Student Open An Account | Option Checking Open An Account |
|---|---|---|---|---|
| Eligibility | 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 |
helping you get a fresh start to banking  Bank On Certified |
| Opening Deposit | $25 | $25 | $0.01 | $25 |
| Minimum Balance to Earn Dividends | $10,0002 | N/A | N/A | 10,0002 |
| Printed Statement Fee | waived with Direct Deposit or eStatements3 | None | None | waived with Direct Deposit or eStatements3 |
| Direct Deposit |
get paid one day early4 Set Up Direct Deposit |
get paid one day early4 Set Up Direct Deposit |
get paid one day early4 Set Up Direct Deposit |
get paid one day early4 Set Up Direct Deposit |
| Visa® Debit Card |  | | | |
| Overdraft Protection |
when linked to Savings Account5 View Options |
when linked to Savings Account5 View Options |
when linked to Savings Account5 View Options | only when linked to Savings Account6 |
| ATM | surcharge-free thru worldwide CO-OP® and Allpoint networks7 | surcharge-free thru worldwide CO-OP® and Allpoint networks7 | surcharge-free thru worldwide CO-OP® and Allpoint networks7 | surcharge-free thru worldwide CO-OP® and Allpoint networks7 |
| Digital Banking | | | | |
| Rates | View Rates | View Rates |
Visa® Debit Card
The best of both worlds
- Use it as a check anywhere Visa® is accepted
- Withdrawals, transfers and balance inquiries at millions of ATMs worldwide
No finance charges
Purchases are deducted from your checking account with no annual fees or interest payments
Monthly statements
Detailed records of all your transactions
Real-time fraud alerts
Free and convenient fraud alerts via text message
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.
- Request a new or replacement debit card or PIN number: (800) 334-8788
- Report a lost or stolen debit card: (888) 220-9591
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?
Overdraft Services
Mistakes happen. Put your mind at ease knowing your transactions will be covered.
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.
We’re here to take your financial confidence to the next level
Dive into our Learn Center to explore various financial topics or to learn a little more about our practices.
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Banking Basics
Build a Better Budget
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Banking Basics
Debit Card Security Tips
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+.
4We will post your direct deposit to your account as soon as we receive it from the source or your employer. In most cases, we receive direct deposits one day before the scheduled effective date.
5With enrollment in Overdraft Protection.
6This account not eligible for Standard Overdraft or Courtesy Pay.
7All ATMs in the CO-OP and Allpoint networks are fee-free to members. CO-OP and Allpoint are worldwide networks of over 85,000 surcharge-free ATMs owned by credit unions, as well as participating retailers and 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.
Our Option Checking account is Bank On certified by the Cities for Financial Empowerment Fund, bringing safe and affordable access to banking for unbanked, underbanked and underserved community members in Southern California. Learn More
