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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

Fee-Free ATM Access

Overdraft Protection

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

check_small*

Required*

Free

check_small

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

Yes – $2 per transaction from a savings account, $28 fee for courtesy pay

 

0.00% APY†

Essential Checking

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

$6.00

$0.00

check_small

Optional

$3.00/mo for up to 10 bill payments & $0.40 each thereafter

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

Yes – 4 free overdrafts per month from a savings for free

 

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

check_small

Optional

check_small*

HSA Specific Card

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

 

[y]**

0.50% APY†

*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. Business accounts are not eligible for E-Checking. Service charges 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.
**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.
† APY = Annual Percentage Yield. All rates are subject to change without notice.

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.

Spending Account Related Products

Debit Card

Access anywhere – with more than 30,000 nationwide fee-free ATMs, and pay online with peace of mind.

Send money with Zelle®

Pay yourself or your friends, easily.

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