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!
Gives to Missions with Visa Debit Card signature-based purchases.
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.
Harvest High Yield Checking
Put your money to work for God’s kingdom! With Harvest High-Yield Checking, you earn 4.00% APY*,4 and support spreading the Gospel.
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.
| Features | Free Checking | Harvest High-Yield Checking | Checking Plus | Student Free Checking |
|---|---|---|---|---|
| NO Monthly Service |  | | with Direct Deposit or $1,500 Minimum Daily Balance1 | |
| NO Minimum Balance Required2 | | | | |
| Free VISA Debit Card with Extended Warranty & Buyer’s Protection Insurance | | | | |
| Earns Rewards3 and Gives to Missions | | | | |
| Free Mobile, Tablet, and Online Banking | | | | |
| Earns Interest | n/a | 4.00% APY4 | .05% APY5 | n/a |
| 30,000+ Co-op ATMs & Over 5,600 Co-op Shared Branches nationwide6 | | | | |
| Open an Account | Open an Account | Open an Account | Open an Account |
Explore Our Services
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.
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!
DoubleCheck
Automated alerts to help you resolve Non-Sufficient-Funds (NSF) before they’re declined.
Receive alerts by text or email so you can rectify the situation before your transaction is declined.
*When using DoubleCheck, a $20 service charge applies and an additional 2.5% credit card transaction fee if a credit card is used.
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.
Need to Re-Order Checks
Still using checks? Protect your money with high security checks.
Terms & Conditions
Offer effective 09/30/2023 and is subject to change without notice.
1. No monthly fee with Direct Deposit or a $1,500 minimum daily balance. $10 otherwise.
2. No minimum balance required after $100 opening balance.
3. 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.
4. APY = Annual Percentage Yield. APYs are accurate as of 08/08/2023 and are subject to change without notice. Fees may reduce earnings. No minimum balance required after required $100 opening deposit. Higher-yield APY will be paid on Maximum balance of $5,000. Balances in excess of $5,000 will earn the lower dividend rate of 0.05% paid on our Checking Plus product.
Qualification criteria for higher APY: 1) You must register for e-statements 2) Have an active online banking 3) Have an activated Christian Community Credit Union (CCCU) debit card and a CCCU credit card AND 4) $500 in accumulated deposits during the month.
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.