Checking Accounts

Somebody's making money off your checking account. Shouldn't it be you?® See which account is right for you, including two high-yield checking options!

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Compare Checking Account Benefits

We have a checking account that fits your lifestyle.

BenefitsBonus
Checking Plus		Bonus
Checking		Essential
Checking		CheckAgain®
2nd Chance Checking
5.13% APY Bonus Interest* x x    
Reduced Wire Fee ($10 Off) x      
Credit Score Simulator3 x      
Dark Web Monitoring x      
Fuel Savings5 x      
Telehealth6 x      
IDProtect®2 x x    
Cellular Telephone Protection2 x x    
Debit Advantage®2 x x    
Health Discount Savings x x    
Accidental Death & Dismemberment Insurance2 x x    
$hopping Rewards™ x x    
Travel & Leisure Discounts x x    
Debit Card x x x x
Online Banking x x x x
Bill Pay x x x  
Remote Check Deposit x x x  
Monthly eStatements x x x x
Mobile Banking x x x x
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Checking accounts require a $5 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 Plus

Want to receive even more perks and benefits? Add Bonus Checking Plus to get added protection! In addition to the Bonus Checking features, for $6.95 a month, you’ll receive access to Telehealth services, Fuel Savings, Credit Score Simulator and additional identity protection. 

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 Interest*

Up to $25,000 balance eligible for 5.13% APY bonus rate. Additional balances eligible to current posted rate.

Help Better Protect Your Identity

You can rest easy knowing that IDProtect®, our identity theft monitoring and resolution service1, can help better protect your identity.

  • Identity Theft Expense Reimbursement Coverage2 

    Receive up to $10,000 to help pay expenses, clear your name and restore your identity, should you become the victim of identity fraud.

  • Comprehensive Identity Theft Resolution Services 

    Should you suffer identity theft, your very own IDProtect fraud resolution specialist will help you every step of the way until your identity is restored.

  • Debit and Credit Card Registration

    Register your credit, debit and ATM cards and have peace of mind knowing you can call one toll-free number to cancel and request replacement cards should your cards become lost or stolen.

    (Registration/activation required.)

  • Credit File Monitoring

    Daily credit file monitoring and automated alerts of key changes to your credit report.

    (Registration/activation required.)

  • Credit Report and Score3

    Access to credit report and credit scores.

    (Registration/activation required.)

  • Credit Score Tracker 

    Receive valuable insight into your credit score3,4.

    (Registration/activation required.)

  • Identity Monitoring

    Monitoring of over 1,000 databases.

    (Registration/activation required.)

  • Financial Wellness 360º

    Access your financial wellness platform with unlimited one-on-one coaching, interactive courses, videos, booklets, infographics, and more to help maximize financial wellness.

    (Available via mobile or web only.)

$hopping Rewards™

Receiving $hopping Rewards is simple! As a member, you have access to exclusive offers and discounts at thousands of leading online retailers. Simply shop online using our customized shopping portal and receive cash back. Your cash back can be held in your $hopping Rewards account to use towards future purchases or conveniently sent to you as a check. Yes, it's that easy!

(Registration/activation required; available via mobile or web only.)

Cellular Telephone Protection2

Receive up to $400 of replacement or repair costs if your cell phone is stolen or damaged, in the U.S. and abroad. Maximum of two claims per twelve month period. Covers up to four phones on a cellular telephone bill paid through your checking account.

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

Debit Advantage®

Buyer's Protection2 covers items for 90 days from the date of purchase against accidental breakage, fire or theft.

Extended Warranty2 extends the U.S. manufacturer's original written warranty up to one full year on most new retail purchases if the warranty is less than five years.

(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.)

Accidental Death & Dismemberment Insurance2

Receive up to $10,000 24-hour Accidental Death & Dismemberment Insurance.

(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. Members can redeem and print coupons online or access discounts from a mobile device. Digital Access makes saving super easy and convenient, giving instant savings anywhere and anytime.

(Available via mobile or web only.)

Bonus Checking Plus Additional Benefits

Reduced wire fee to $15 (a $10 savings!)

Credit Score Simulator3

Use the Score Simulator to see how different actions, such as increasing card limits, or paying off a loan, will impact your VantageScore.

(Registration/activation required.)

Dark Web Monitoring

Monitor your personal information on the dark web and receive alerts when your personal information is exposed online with our Dark Web Monitoring identity theft prevention product, also known as cyber monitoring.

(Registration/activation required.)

Fuel Savings5

Register for the Fuel Rewards® program and save 5¢/gal on every fill-up at participating Shell stations with Extended Gold Status. Simply enter your phone number or Alt ID at the pump to see the savings instantly.

Telehealth6

Access to 24/7 video or phone visits with U.S.-based board-certified, licensed and credentialed doctors ready to help with urgent care or mental health for you and your family (up to 8 people). There are zero copays, plus discounts on prescriptions and lab work.

(registration/activation required)

Already have Bonus Checking? Access your benefits

*Up to $25,000 balance eligible to 5.13% 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.

1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the 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.

2Special 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 to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance Products are not insured by the ASI or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.

3 You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness.

4Credit Score Tracker: Once credit file monitoring has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

5Restrictions apply. See CCCUBonus.clubchecking.com for details.

6Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

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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