Checking Account

This is a checking account with no minimum balance requirements and no monthly maintenance fees!

With all of those cost savings it's like you are giving yourself a raise! If you would like to earn interest, check out our E-Checking account paying a .25%* APR! CCFCU's Share Draft (Checking) account can prove itself invaluable to any member. Just check out some of these other great features:

Courtesy Overdraft Privilege

  • Courtesy Overdraft Privilege is a non-contractual service designed to help members who occasionally overdraw their Checking Accounts by paying items up to the established limit ($400.00) and preventing additional costs associated with returned items.  You also could potentially avoid damage to a credit rating and save money by avoiding merchant fees and late fees.

  • No fees for this service unless used by the member.

  • Covers transactions like: Checks, checks issued to a third party, automatic debits, ATM withdrawals, Debit Card Sales.

  • Online banking and Cell Phone App

Deposits are easy and convenient

  • Payroll deduction and/or Direct Deposit.

  • Wire Transfer.

  • In person at any of our branches during our business hours.

  • Night drop after hours at any of our branches.

  • Withdrawals and/or purchases are a breeze via:

    • Drafts (checks) accepted anywhere you would normally write a check.

    • Optional VISA® Debit Card.

    • Optional ATM withdrawals via the Star Network and the Cash Points Network of ATM machines.

    • Electronic drafting from your account to pay recurring bills (as set up by your creditor).

  • In person at any of our branches during our business hours, where we can offer you:

    • Cash withdrawals

    • Money orders

    • Cashier’s checks

    • Traveler’s checks

    • Credit union check withdrawals

    • Wire transfers

Management and control of your account is easy and cost-efficient

  • HomeCU (Online Banking)  ~ Mobile Banking ~ E-Statement ~ Bill Pay Service.

  • Inexpensive imprinted drafts (checks) with duplicate copies for easy
    record keeping.

  • Monthly statements of account activity sent directly to your home.

  • Optional E-Statements where you can access up to 24 previous months of statements online 24 hours a day!

  • Friendly, helpful staff assistance at any of our branches.

  • Free 24-Hour Audio Response where you can call and:

    • Check the balance in all your accounts.

    • Find out whether or not checks have cleared.

    • Transfer funds from savings to checking or vice versa.

  • Optional overdraft loan protection (if you qualify) to help cover those human errors you're going to sometimes make.

  • Automatic transfers from savings (if funds are available) to cover overdraft errors.*

  • Fees for check copies, stop payments, returns, overdrafts, etc. are lower than you would pay at a bank or other financial institution.

*Courtesy Overdraft Privilege is for accounts in good standing only.  Member must bring account to a positive balance within 30 days. For new checking accounts 60 days must elapse before service is activated.
*Fee charged for automatic transfer.