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Looking for a cost-effective way to keep track of your finances? Christian Financial offers an Essential Checking account that makes managing your money easy!

The Details

Our Essential Checking account is for members who may prefer to manage their accounts more traditionally. With no minimum balance, unlimited check writing, and access to nearly 30,000 fee-free ATMs with the CO-OP Network we make managing your money easy.

Accessing your Checking Account

Essential Checking members also receive debit cards with their accounts, which gives them access to their money wherever Visa is accepted. Essential Checking members can also take advantage of our Digital Banking.


Change your Debit Card PIN

For your financial safety, we have placed the phone number to change your PIN in Online Banking. Once logged in navigate to Accounts and then scroll down for the phone number. Or after your first PIN is established, you can visit one of our ATMs and change it right there. 

+ How do I reorder checks

Christian Financial partners with Harland Clarke. Order checks from the Harland Clarke website. You will need:
  • Our Routing Number - 272484289
  • Your Account Number
  • Your Zip Code
Select the account type and click continue. 
From here you can select the checks you want order. Once you have made your selection click the cart in the upper right corner and follow the prompts to check out. 
Effective September 27, 2023

Checking Accounts

  Dividend Rate APY* Minimum Balance
Draft (checking) Accounts 0.00% 0.00% $0.00

*APY= Annual Percentage Yield. **If fees are applied, it may reduce the earnings on the account. Click here to view the full list of service charges & fees. The dividend rate is subject to change without notice.

Checking Service Charges

Essential Checking $6.00 per month
E-Checking with/without E-Statements* FREE/$6.00 per month
Select Checking with/without Debit Card, active loan & direct deposit FREE/$7.50 per month

*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-Statement program. Business accounts not eligible for E-Checking. 

Contact Us:

Corporate Headquarters:
35100 Van Dyke Ave
Sterling Heights, MI 48312


Routing & Transit Number: 272484289
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Christian Financial Credit Union was founded in 1950 and has grown to serve anyone who lives, works,
worships or goes to school in Macomb, Wayne, Oakland and St. Clair Counties. 
© 2006-2023 Christian Financial Credit Union  All Rights Reserved.
Federally insured by the NCUA
Equal Housing Opportunity Lender