Choose the Checking Option That Is Right For You!
We have a checking option for you to earn Cash Back Rewards Points when you make purchases with your debit card.
Checking Features
- Access to Digital Banking.
- Access to over 85,000 surcharge-free ATMs worldwide.
- Digital Wallet Capabilities (Apple and Google Pay).
- Electronic Statements.
- Deposits are Federally Insured by the NCUA to at least $250,000.
1Transformation 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.
2Simply 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.
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.
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.
Mastercard Priceless Surprises
You could win $10,000 when you make everyday purchases with your CFCU Mastercard debit and/or credit card with Mastercard's Priceless Surprises promotion that is available from March 1, 2023 - December 31, 2023.
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 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.
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.