Purpose-Driven Checking accounts
Our FREE Checking & Checking Plus accounts have a mission of their own. When you use your FREE Visa Debit Card, you give to missions and earn rewards on every purchase…at no cost to you. Now that’s checking with a higher purpose!
Get a $200 bonus when you open your first Free Checking or Checking Plus Account.
Checking Options
Free Checking
Welcome to totally free checking! We don’t have a minimum balance and we don’t charge monthly service fees. Plus, you can get to your account 24/7!
Checking Plus
This Checking Account earns interest! Do you keep a $1,500 daily balance? Do you use direct deposit? This might be the account for you.
| FEATURES | FREE CHECKING | CHECKING PLUS |
|---|---|---|
| $200 BONUS1 | ✓ | ✓ |
| NO Monthly Service | ✓ | with Direct Deposit or $1,500 Minimum Daily Balance2 |
| NO Minimum Balance Required3 | ✓ | $1,500 |
| Free VISA Debit Card with Extended Warranty & Buyer's Protection Insurance | ✓ | ✓ |
| Earns Rewards4 and Gives to Missions | ✓ | ✓ |
| Free Mobile, Tablet, and Online Banking | ✓ | ✓ |
| Earns Interest | n/a | .05% APY5 |
| Available Overdraft Protection | ✓ | ✓ |
| Free eStatements | ✓ | ✓ |
| 30,000+ CO-OP ATMs & Over 5,600 CO-OP Shared Branches nationwide6 | ✓ | ✓ |
| Open an Account | Open an Account |
Free Visa Debit Card!
- Gives to missions
- Earns CURewards
- Get cash at surcharge-free ATMs nationwide!
Additional Services
Need to Order Checks?
Courtesy Pay—An Extra Level of Protection for Your Checking Account
Switch to eStatements
Save time and paper with eStatements! You’ll get your statements faster, and you can still save or print out a copy. Register to get an eMail when your statements are ready for viewing. It’s quick and easy! And, you’ll also enjoy online archival storage for up to 12 months.
Direct Deposit—Fast and Convenient
Make your budgeting simpler! Avoid long ATM lines! Choose our direct deposit for your payroll, Social Security, or pension check.
Card Services – Shop & Pay the Fast, Easy, and Secure Way!
Shopping with debit or credit cards? Our card services offer you convenience and security.
Switch Your Account and Save
Thanks for joining our family! Want to have your money in one place? Move your other checking and credit card accounts to the Credit Union. Our Switch Kit makes it fast, simple, and convenient. The Switch Kit will help you:
- Get organized
- Move your direct deposits and automatic payments
- Close your old accounts
- Transfer your credit card balance
Terms & Conditions
Offer effective 05/27/2022 and is subject to change without notice.
1. To receive $200 Checking Bonus: 1) Open your FIRST Free Checking or Checking Plus Account with at least $100. 2) Sign up for eStatements within 60 days of account opening at myCCCU.com/estatements. AND 3) Set up a qualifying Direct Deposit, which must be received within 60 days of account opening. To confirm eStatement registration, call 800.347.2228 or contact us via Secure Support link within Online Banking. Bonus cannot be used as opening deposit. Qualifications: Direct Deposit needs to recur for a minimum of 60-days from the first electronic deposit and be for at least $200.00 from your or your joint owner’s paycheck, pension, or government benefits (such as Social Security). Payments, Non-payroll ACH, and Transfers from another CCCU account or other financial institution do not qualify as Direct Deposits. Bonus Payment: Checking bonus will be deposited to your new Checking Account within 60 days after approval of membership eligibility and meeting Direct Deposit and eStatement requirements. Bonus offer available to U.S. residents. Bonus is considered taxable income and the recipient is responsible for reporting the amount to the IRS. Bonus Limit: One checking bonus per account, per Direct Deposit payee, per member, per household. Cannot be combined with other promotions. Account Closing: If new Checking Account is closed within six months after account opening, the bonus will be deducted from the closing balance.
2. No monthly fee with Direct Deposit or a $1,500 minimum daily balance. $10 otherwise.
3. No minimum balance required after $100 opening balance.
4. One CURewards point for every $2 in signature-based purchases with the Visa Debit Card. If you do not qualify for a Visa Debit Card, you may receive an ATM Card. No CURewards points are earned using an ATM Card.
5. APY = Annual Percentage Yield. Checking Plus Account earns dividend when the daily balance is $1,500 or more. This is a variable rate account, and the APY could change after the account is opened.
6. ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs.
