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CFCU Credit Union

CFCU More

An additional platform to complement Digital Banking

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Routing #: 221381540

Checking Accounts

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.

Earn $200 IN CASH BACK POINTS

For a limited time only when you open a CFCU Rewards Checking account, you can earn a bonus $200 in cash-back rewards points for using your Rewards Debit Card on every-day purchases. 

To Earn the Bonus:

Learn More About UChoose
*20,000 bonus points awarded to individuals who open a Transformation Checking, Student Checking, and/or Business Rewards Checking account during the promotional period of 02/15/24 – 4/30/24 and within 180 days of account opening use their CFCU Rewards debit for purchase(s) totaling $3,000 or more. Bonus points will be credited to accounts within 30 days of criteria being met. Account holders are eligible to receive bonus points on each new account they open. Transformation Checking requires a minimum opening deposit of $25, with an Annual Percentage Yield(APY) of .03% on balances greater than $1,000. APY is accurate as of the last declaration date. UChoose Registration is required to redeem points. 

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

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.