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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 85,000+ surcharge-free ATMs worldwide
  • Free Digital Banking and Mobile App*
  • Our Option Checking Account is Bank On Certified

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
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

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+.

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.