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 Opens a New Window. , you will have easy access to your cash whenever you need it!
- 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
||$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 item
|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.