Checking Accounts
Personal Checking
CCFCU’s Personal Checking Accounts help keep the necessities of your financial life easy. Save time by having your paycheck direct deposited into a CCFCU checking.
No monthly fees
No required debit card usage
No minimum balance required
No required direct deposit
Money Market Checking
This account is great for members who are looking for a high-yield checking account. It’s an investment opportunity that earns higher dividends and still allows immediate access to your funds with no penalties.
$4,000 minimum opening balance
Tiered Dividend Schedule Rates
Dividends paid monthly on average daily balance of $4,000 or more
Average daily balance of $10,000 or more earn additional monthly dividends
Teen Checking
Checking offered exclusively to teens 15-17 years old*
No minimum checking balance & no monthly fees
Overdraft Protection connected from savings to checking
Low overdraft fees – $2 per transaction
Overdraft Reg E Opt-In/Courtesy Pay
$100 limit
SURF ATM Network – Statewide credit union surcharge-free ATMs
ATM or Visa Debit Card daily limits
POS (Point of Sale) – $500
ATM cash withdrawal – $210
Free mobile check deposit
Free online & mobile banking with It’s ME247
Free bill pay & person to person (P2P) transfers
Parental controls & features within your CCFCU accounts
Cross Account Transfers – Transfer to & from
Switch Memberships – Monitor account activity & conduct transactions
Once you turn 18, your account will convert to a personal checking account!
We will notify you via SMS/Text
If SMS/Text isn’t available, you will be emailed or notified by U.S. mail
* Regular savings account required with $5 minimum deposit. No minimum balance required in checking account. **Parent/Guardian required as joint owner on accounts. Teen listed and signs as Primary Account holder.
Fresh Start Checking
A checking account specifically designed to give you a Fresh Start, giving a second chance to individuals who want to re-establish their financial record. If you ever had an account closed when it was overdrawn, your name may appear on national lists many financial institutions use when qualifying members for new accounts. Appearing on these lists may reduce your chances of being able to open an account. At CCFCU, we believe everyone deserves a Fresh Start. Low, monthly $5.00 fee applies if approved.
Business Checking
Different sized businesses have different needs. CCFCU has three business checking accounts to meet the unique needs of your business.
Each offers:
No minimum balance requirement
Low or no monthly service fee
No per-check or transaction charges
No per-check deposit charges
Savings (Share) transfer overdraft protection
Sole Proprietorship Checking
Great value for Sole Proprietorships!
Low $5.00 monthly fee (bonus – monthly fee waived if daily balance is $10,000.00 or above)
Corporate Checking
Easy solution for business banking
Low $14.00 monthly fee (bonus – monthly fee waived if daily balance is $10,000.00 or above)
Documentation of existence as a business is required
Non-Profit Checking Accounts
Easy solution for associations, clubs, churches, charitable, and other non-profit organizations.
No monthly fee
Required documentation: proof that the organization is tax-exempt under Section 501(c)(3), 501(c)(4), or 501(c)(10) of the Internal Revenue Code
Overdraft Line Of Credit
With an Overdraft Line Of Credit, your checking account is covered. It protects you from overdrafts and from having transactions denied for non-sufficient funds. Plus, it’s also an easy and convenient line of credit when you need quick access to cash.
Courtesy Pay
Courtesy Pay adds a measure of protection to CCFCU’s Personal or Money Marketing Checking Accounts. (Fresh Start and Business Checking Accounts are not eligible for Courtesy Pay.) Courtesy Pay may cover items such as checks up to your approved limit when funds are insufficient for a set fee per covered overdraft transaction.