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Free Checking with a Higher Purpose. 

You can feel good about Christian Community Credit Union’s (CCCU) Free Checking Account. There’s no minimum balance1, no monthly fee, and every time you use your Visa Debit Card as a “credit” purchase, you’re giving to missions and ministry projects at no cost to you.  Now that’s checking with a higher purpose!

cccu freechecking

No Fees

no monthly service charge, and no minimum balance requirement

24/7 Account Access

through CCCU mobile app, 30,000+ surcharge-free ATMs nationwide, & 5,600+ Shared Branches through CO-OP Network2

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Gives to Missions

with Visa Debit Card signature-based purchases

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Earns Rewards

Get Cash back, fee airfare and more3

Free Checking

  • $100 minimum to open 
  • No minimum balance 
  • No monthly service fee  

Explore Our Services

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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!

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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.

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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  02/22/2024 and is subject to change without notice. 

1. No minimum balance required after $100 opening balance.   
2. ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs. 
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.