Checking Accounts

Somebody's making money off your checking account. Shouldn't it be you?®

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Compare Checking Account Benefits

We have a checking account that fits your lifestyle.

2nd Chance Checking
5.12% APY Bonus Interest1 x    
IDProtect®2 x    
Cellular Telephone Protection5 x    
Debit Advantage®5 x    
Health Discount Savings x    
Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance5 x    
$hopping Rewards™ x    
Travel & Leisure Discounts x    
 Debit Card x x x
Online Banking  x x x
Bill Pay x x  
Remote Check Deposit  x x  
Monthly eStatements  x x x
 Mobile Banking x x x
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Checking accounts require a $50 deposit into a savings account that remains on deposit while your account is open, and a $5 minimum opening deposit for any checking account.

Bonus Checking

We want to protect your finances, save you money on everyday purchases, and give you peace of mind to enjoy your life - it's simple with Bonus Checking.

For a fee of $5.95 a month, you will receive these amazing products for your daily use...

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Bonus Checking Additional Benefits

Bonus Interest1

Up to $25,000 balance eligible for 5.12% APY bonus rate. Additional balances eligible to current posted rate.

Remote Check Deposit

Physical check scanning and deposit without the need to visit your local branch.

IDProtect - Identity Theft Monitoring and Resolution Service

Better protect yourself with IDProtect Identity Theft Monitoring and Resolution Service2, that includes credit file monitoring3 with automated alerts of changes to your Experian credit report, ability to request a single-bureau report and score4 every six months2, identity monitoring, and up to $10,000 in identity theft expense reimbursement5, and more.

(Some of the benefits with IDProtect require registration/activation.)

$hopping Rewards™

Shop online using our customized shopping portal and receive cash back. Your cash back will be held in your $hopping Rewards™ account to use towards future purchases or conveniently sent to you as a check.

(Registration/activation required; Available online only.)

Cellular Telephone Protection5

Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged in the U.S. and abroad.

(Cellular telephone bill must be paid using your Bonus Checking account.)

Debit Advantage®

Buyer's Protection5 and Extended Warranty5

(Item(s) must be purchased entirely with your Bonus Checking account).

Health Discount Savings

Enjoy savings on vision, prescriptions and dental services.

This is NOT insurance. (Registration/activation required.)

Up to $10,000 of 24-hour Accidental Death & Dismemberment Insurance5

(Coverage divides equally on joint accounts and reduces by 50% at age 70)

Travel and Leisure Discounts

Money-saving discounts from thousands of local and national businesses - redeem and print coupons online or access discounts from your mobile device.

(Available online only).

Already have Bonus Checking? Access your benefits

1 Up to $25,000 balance eligible to 5.12% APY bonus rate. Balances over $25,000.01 or more will receive the applicable current rate. To Qualify for the bonus rate, you must elect to receive e-statements and have a valid email on file with us, you must receive $1,000 or more in direct deposit(s) AND 15 Point of Sale debit or credit card transactions* posted to your account each month as reflected on your monthly periodic account and/or billing statement(s). *Credit card transactions will only apply towards the count of eligible transactions on the Oldest Bonus Checking account owned by the Primary account holder.

2 Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions for applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a "signer" on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, persons qualifying as domestic partner, and children under 25 years of age and parent(s) of the account holder who are residents of the same household.

3 Credit file monitoring may take several days to begin following activation.

4 Credit score is a Vantage Score 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness.

5 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide of Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide of Benefit or on the certificate of insurance.

Insurance Products are not insured by ASI or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

Essential Checking

Just the essentials please! Our classic checking account is free for members, no strings attached.

  • Debit Card with Tap to Pay
  • Online and Mobile Banking
  • Remote Check Deposits
  • Monthly eStatements (with sign up)
  • Debit Card Rewards
  • Access to 30,000 surcharge-free ATMS nationwide

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CheckAgain® - 2nd Chance Checking

With a $12 monthly fee, you receive full teller and phone center access, free online and mobile banking, free debit cards and free monthly e-Statements. After 12 months of approved activity, contact CCCU to upgrade your account to our Essential or Bonus Checking options (see above for account descriptions).

Note: Other optional service fees may apply – see Fee Schedule for full details.

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