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Checking

Choose the checking option that is right for you!

We have an option to earn Cash Back Rewards Points when you make purchases with your debit card.

 

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Checking Options

Transformation Checking1

You're already spending, so why not earn CASH BACK Rewards when you swipe your debit card.

  • Earn 1 point for every $2 spent.  
  • Avoid the $8 monthly fee with EITHER 12 or more debit card transactions per month OR a combined average daily balance of $5,000 in your checking, savings, and CD accounts.
  • Low $25 minimum balance to open.

 

UChoose Rewards

 

Simply Checking2

CFCU’s basic checking account.

  • Avoid the $3 monthly fee with EITHER 12 or more debit card transactions per month OR with at least one direct deposit per month OR if the primary account owner is under 25 years old.
  • Low $25 minimum balance to open.

CURRENT POINTS PROMOTION 

 

Checking Features

 

Helpful Info

 
 
 

 

 

Switching Your Checking from Another Financial Institution to CFCU is Even Easier!

ClickSWITCH helps you move automatic payments and direct deposits from one account to another all in one place without having to fill out paperwork.

 

Learn More

 

 

Upgrade Your CFCU Checking

If you have a CFCU Premier, Classic, or Electronic checking account and want to upgrade to a Transformation or Simply Checking account, it’s easy!

 

Contact Us         Visit a Branch

Rates

Table data for Checking Account Rates
 Rates as of 11/1/2022
Type Daily Balance1 Annual Percentage Yield (APY)2 Alert Me
Transformation Minimum $1,000 to earn APY 0.03% Receive a notification when this rate changes

Truth in Savings Disclosure
  • 1Minimum to earn APY, $1,000.↵
  • 2Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.↵

FAQs

  • Can I use my debit and credit cards overseas?

    Yes, you can use your debit and credit cards overseas. However, you must place a travel note on your account.

  • How do I order checks?

    If you only need a couple of checks, CFCU offers temporary checks printed immediately at each branch.*

    Need a book of checks, stop by a branch, call, or send a secure message through Digital Banking. Your order should arrive in 7 - 14 days. 

    *Limitations and fees may apply. 

  • How do I set up a Direct Deposit?
  • How is Average Daily Balance calculated?

    The average daily balance is determined by adding the end-of-day balance in the account for each day of the month and dividing the total by the number of day in the month. 

  • When do I get statements?

    Checking account statements are sent monthly. Saving account statements are sent quarterly. If a savings account has an ACH set up on the account, the statement will be sent monthly.

    Help us save the environment by signing up for eStatements!

    Learn More

  • How can I view cleared checks?

    You can view if a check is cleared in Digital Banking.

    If you are signed into Digital Banking through a web browser, click on the check icon next to the item number listed in the transaction.

    If you are signed into Digital Banking with the app, click on the transaction and then select view check. 

  • What is stop payment and what are the fees?

    Stop payment is a way for you to cancel a check that has not been processed yet. This can be done through Digital Banking by clicking on Accounts, then "Stop Payment" or you can give us a call. The fee is $38 per item.

  • What is Overdraft Protection?

    Overdraft Protection (ODP) is a service offered to help members when available funds in their checking account have been depleted. This service automatically transfers available funds from a member’s linked checking or savings account(s) to cover a purchase or transaction. A member can have multiple accounts linked and can indicate the transfer priority of these linked accounts. There is a fee of $10 per occurrence.

  • What is Courtesy Pay?

    Courtesy Pay will allow a check to clear or transaction to be completed even if you do not have the available funds in your account. There is a fee of $38 per occurrence. Restrictions and limitations apply. For more information and to learn how to opt in or out of this service, please review this disclosure. 

Mastercard Promotion

You could win $10,000 with your CFCU Mastercard Products

 

 

1The Transformation Checking account primary owner must have a combined average daily balance of at least $5,000 in their checking, savings, and certificate accounts OR have at least 12 debit card transactions per month, otherwise a monthly service fee of $8 will be assessed. Debit card transactions must post and settle to the account to be included in the monthly count. ATM transactions are not included. Minimum opening deposit $25. Membership eligibility requirements apply.

 

2The Simply Checking account primary owner must be under 25 years old OR have at least one direct deposit into their Simply Checking account per month OR have at least 12 debit card transactions per month, otherwise a monthly service fee of $3 will be assessed. Debit card transactions must post and settle to the account to be included in the monthly count. ATM transactions are not included. Minimum opening deposit $25. Membership eligibility requirements apply.