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Christian Financial Credit Union Spending Accounts

Spend Your Way

A CFCU spending account is versatile and easy to use, with extra features and add-ons that make it exactly what you need.

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Spending Account Comparison

What's Your Spending Style?

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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

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Required***

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Yes – At nearly 30,000 Co-Op Network ATMs

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0.00% APY†

Essential Checking

Designed for those who prefer to manage their accounts more traditionally.

$6.00

$0.00

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Optional

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Yes – At nearly 30,000 Co-Op Network ATMs

4 free overdrafts per month from a savings

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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

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Optional

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HSA Specific Card

Yes – At nearly 30,000 Co-Op Network ATMs

 
 
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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.

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Tap to Pay

Simply Tap to Pay with your CFCU Contactless Debit Card

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!

Spending Account Related Products

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Manage Your Spending Accounts

Ditch the sticky notes, app and spreadsheets

Spend less time wondering where your money went, and more time telling it where to go. Our budgeting tool helps you see all your accounts, all in one place.

Send money with Zelle®

We have partnered with Zelle® to bring you a fast and easy way to send and receive money with friends, family and people you know. With Zelle®, you can send money directly from your account to enrolled recipients in minutes, all from the convenience of online banking or our mobile app.

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Manage Your Card with a Tap!

Manage your CFCU Credit Cards from our mobile app.

  • Turn your card on or off in an emergency or if it’s lost or stolen
  • Request a new card
  • Set up card alerts, card limits, and even travel notices

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