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CFCU Credit Union

CFCU More

An additional platform to complement Digital Banking

CFCU More Login

Routing #: 221381540

Checking Accounts

Woman Checking Her Personal Checking Account

Choose the Checking Account Option That Is Right For You!

We have a basic checking account and checking options that earn Cash Back Rewards Points when you make purchases with your debit card.

 

Checking Account Features

1Simply Checking

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.

2Transformation Checking

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 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.

3Student Checking

Earn CASH BACK Rewards when you swipe your debit card.

  • Earn 1 point for every $2 spent. 
  • Age range 13 - 25 (ages 13 - 15 require a co-signer).
  • Low $5 minimum deposit to open.
  • No minimum balance.
  • No monthly service fee.
  • No debit card replacement fee.
  • No overdraft protection fee (ODP). Funds are automatically transferred from a linked checking or savings account to cover a transaction.

Control Your Debit Card with CFCU More!

  • Change your pin
  • Add travel exemptions/alerts
  • Freeze/activate your card
Download CFCU More Today!

Switching Your Checking from Another Financial Institution to CFCU is Easy!

Switch Deposits+ is a tool available in CFCU More that makes moving your checking or savings account from another institution to a CFCU checking or savings account, just a few simple clicks away. 

Learn More about Switching Your Checking from Another Financial Institution to CFCU is Easy!

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!

Just give us a call or visit us at a branch.

1The 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.

2The 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.


3The Student Checking account primary owner must be age 13-25. Once the primary account owner reaches the age of 26, the account will be converted to a Transformation Checking account. Minimum opening deposit $5. Membership eligibility requirements apply.

We offer rewards checking in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.