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Our Essential Checking account is a very cost-effective way of keeping track of your expenses. Plus, with account features like our debit card, Online Banking, and nearly 30,000 surcharge-free ATM's through CO-OP Network, you will have easy access to your cash whenever you need it!

Essential Checking 

  • No minimum balance requirement
  • Unlimited check writing
  • No per item fee
  • 4 free overdraft transfers per month (unlimited number of transfers after 4 for a charge)
  • Free debit card – Access to your checking account wherever Visa is accepted.
  • Free Online Check Images
  • Free ATM transactions at nearly 30,000 CO-OP Network Opens a New Window. ATMs

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

Overdraft (NSF, Courtesy Pay) Service Charges

  • Returned deposited items
  • Non-sufficient funds (drafts, debit card transactions, debit card ATM withdrawals/purchases, pre-authorized withdrawals or bill pay items)
  • Items (ACH, checks, debit card transactions and online bill payment) paid by Courtesy Pay
$28.00 per presentment
Overdraft transfers from one deposit product to another (system-generated) - 
Essential Checking is allowed 4 total free per month across all Essential Checking accounts. Additional transfers are subject to this fee. Overdraft transfers from Lines of Credit are free.
  • Imposed for overdrafts created by checks, ATM withdrawals, debit card transactions at the Point of Sale, Bill Payments, ACH or by other electronic means.
$1.50 per item
Negative account fee for accounts with a negative status of 15 days or more $0.50 per day
Stop payment on checks or ACH $28.00 or $56.00 per series


Need to change your PIN?

Go to any CFCU ATM machine and change your PIN there. Don't have time to make it to a branch? Call 1-800-503-9249 and enter the card reference number. You will also need the card expiration date, as well as the primary date of birth on the account. 

Contact Us

Call us at 586.772.6330
Send us an email

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