Checking

A checking account designed to reward you!

The Transformation Checking account must have an average daily balance of at least $5,000 OR have at least 12 debit card transactions per month; otherwise a monthly 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. Federally insured by NCUA. 

Click here to learn more about UChoose Rewards

A checking account designed to keep it simple. 

• $25 minimum balance to open. 
• Avoid a $3 monthly fee with at least 12 debit card transactions per month, or with direct deposit at least once per month, or the primary account owner is under 25 years old

Setting up your Direct Deposit:

Why wait for your funds to become accessible when you can set up Direct Deposit and access them quicker? Head to your Human Resources / Payroll Department today and give them our Routing Number (221381540) and your MICR number at CFCU. This convenience can also be set up with Retirement Checks, Social Security, and other Federally recurring payments.

• What is a MICR number and how do I find it?
  

  The MICR number appears at the bottom edge of a check. MICR stands for Magnetic Ink Character Recognition. The ink is read electronically by a machine for security and record-keeping purposes.

  

  

Any questions about how to set up Direct Deposit for your particular situation? We're here to help in person or on the phone.

• 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. 

• 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.

• Can I use my debit and credit cards overseas? Are there fees to do so?
  

  Yes you can use your debit and credit cards overseas. However, you must contact CFCU ahead of time to place a travel note on your account. There is a 1% currency conversion fee.

  Note: Certain Countries have restrictions. Contact us for more information.

• How can I make deposits?
  

  Make a deposit from anywhere with Mobile Deposit, Direct Deposit, or ACH. 

  You can also visit a branch, one of our deposit taking ATMs, or a night drop location.

• How is Average Daily Balance calculated?
  

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

• When do I get statements? Are they quarterly only?
  

  Checking account statements are sent monthly. Saving account statements are sent quarterly; however, if an ACH is set up on the account the statement will be sent monthly.

  That's a bunch of trees... help us save the environment by signing up for eStatements! Learn how to sign up for eStatements.

• How do I order checks?
  

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

  Need a book of checks, stop in a branch or call today. Your order should arrive in 7-10 business days. 

  Skip check all together and use Bill Pay. Click here to learn more!

  *Limitations and fees may apply. 

• How can I view cleared checks?
  

  Web Browser: Once logged into Digital Banking, click on the check icon next to the item number listed in the transaction. 

  App: Once logged into Digital Banking, click on the transaction and then select view check. 

• Where do I find my account numbers for setting up direct deposit and/or online payments?
  

  The CFCU Routing Number (221381540) and your MICR #.

  

  

• What is a MICR number and how do I find it?
  

  The MICR number appears at the bottom edge of a check. MICR stands for Magnetic Ink Character Recognition. The ink is read electronically by a machine for security and record-keeping purposes.

  

  

• Can I see my Checking and Savings Accounts Online?
  

  Yes! Our Digital Banking is an excellent option for members who want to stay on top of their balances. Additionally, we have Text Banking all free for you!

  For each of these, you'll need to be enrolled in Digital Banking.

• 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 by calling CFCU or within Digital Banking. The fee is $35 per item.