Home / Personal / Checking

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!

cccu checking

Choose the Checking Option Right for You

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 with our mobile app.

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.

Student Free Checking

A FREE Checking Account for students 16-24 years of age. Absolutely no minimum balance, no monthly service charge, and convenient! Access your money 24/7 with our mobile app.

FeaturesFree CheckingChecking PlusStudent Free Checking
$200 BONUS¹icon check greenicon check greenicon check green
NO Monthly Serviceicon check greenwith Direct Deposit or $1,500
Minimum Daily Balance²
icon check green
NO Minimum Balance Required³icon check greenicon check greenicon check green
Free VISA Debit Card with Extended Warranty & Buyer’s Protection Insuranceicon check greenicon check greenicon check green
Earns Rewards³ and Gives to Missionsicon check greenicon check greenicon check green
Free Mobile, Tablet, and Online Bankingicon check greenicon check greenicon check green
Earns Interestn/a.05% APY³n/a
30,000+ Co-op ATMs & Over 5,600 Co-op Shared Branches nationwide6icon check greenicon check greenicon check green
Open an AccountOpen an AccountOpen an Account

Explore Our Services

icon digitalwalletapp ltgreen

Digital Banking

Manage your finances anywhere, anytime! 

You’re never too far from your money with our free digital banking apps that make life easier.

icon safety ltgreen

Courtesy Pay

An Extra Level of Protection for Your Checking Account 

You can easily opt-in within Online/Mobile Banking when you’ve opened your account.

Direct Deposit

Fast and Convenient

Get your money quicker. Simplify your budgeting. Avoid ATM lines. When you choose our Direct Deposit for your payroll, Social Security, or pension check, you get all of these benefits and more.

Be sure to sign up within Online Banking!

Need to Re-Order Checks

Still using checks? Protect your money with high security checks.


Terms & Conditions

Offer effective 10/06/2022 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. 

*Student Free Checking: Must be 18 years of age or older to apply online. If under 18, please print a Student Advantage Banking paper application.