Monthly Fee
Minimum Balance
Digital Access
Electronic Statements
Online Bill Pay
Debit Card with Tap to Pay
Fee-Free ATM Access
Overdraft Protection from Savings
Eligibility Requirements
Rate
E-Checking
Our most popular spending account. This account offers online access with all the features included for no monthly fee.
None*
$0.00
Required***
Yes – At nearly 30,000 Co-Op Network ATMs
0.00% APY†
Essential Checking
Designed for those who prefer to manage their accounts more traditionally.
$6.00
$0.00
Optional
Yes – At nearly 30,000 Co-Op Network ATMs
4 free overdrafts per month from a savings
0.00% APY†
HSA**
Save pre-tax dollars to use on qualified medical expenses. Plus, your account can stay with you, even if you move employers!
None*
$0.00
Optional
HSA Specific Card
Yes – At nearly 30,000 Co-Op Network ATMs
0.50% APY†
*Service charges may apply. Please note that members over the age of 62 can be enrolled in either checking account and monthly fees will be waived. View our schedule of service charges. Business accounts are not eligible for E-Checking.
**You must meet the following requirements to be eligible for an HSA – You are covered under a high-deductible health plan (HDHP on the first day of the month.) You have no other health coverage except what is permitted. You aren’t enrolled in Medicare. You can’t be claimed as a dependent on someone else’s tax return.
***Member is required to have E-Statements in order to have no monthly fee. If a member has E-Checking and is not enrolled in E-Statements during a given monthly period, a monthly maintenance fee of $6.00 will be assessed for each month until re-enrolled in the E-Statements program.
† APY = Annual Percentage Yield. All rates are subject to change without notice.
No need to dip the chip anymore – simply tap to pay with your CFCU Contactless Debit Card!
Automatic Card Replacement: Receive a new contactless debit card automatically upon expiration or request an early reissue.
Tap to Pay – Quick & Easy: Simply tap to pay – no swiping, inserting, or PINs for most purchases. (PINs may be required for some transactions.)
Fast & Secure: Enjoy quick, hassle-free payments with enhanced security.
Perfect for On-the-Go: Pay faster and easier—no cash, no delays, just tap and go!
Fast, Secure, and Hassle-Free: Experience the speed and simplicity of contactless payments, while enjoying the added security that comes with each transaction.
Access anywhere: With more than 30,000 nationwide fee-free ATMs, and pay online with peace of mind.
We're here anytime you need us.