Providing checking products that are both transformational and simple. 

We believe in providing options for a checking account that will suit your needs. Whether you are looking to be rewarded or would like to keep it simple, we have the account for you. Both accounts provide free access to Digital Banking and over 55,000 ATM's worldwide.

Transformation Checking

A checking account designed to reward you!

  • Cash-back rewards when you swipe your debit card
  • Earn 1 point for every $2 spent  
  • No monthly fee with EITHER 12 debit card transactions OR an average daily balance of $5,000

Click here to learn more about UChoose Rewards

*The Transformation Checking account must have an average daily balance of at least $5,000 OR have at least 12 debit card transactions per month; otherwise a monthly fee of $8 will be assessed. Debit card transactions must post and settle to the account to be included in the monthly count. ATM transactions are not included. Minimum opening deposit $25. Membership eligibility requirements apply. Federally insured by NCUA. 

Simply Checking

A checking account designed to keep it simple. 

  • $25 minimum balance to open
  • Avoid a $3 monthly fee with at least 12 debit card transactions per month, or with at least one direct deposit per month, or if the primary account owner is under 25 years old


Table data for Checking Account Rates
 Rates as of 7/1/2022
Type Daily Balance1 Annual Percentage Yield (APY)2 Alert Me
Transformation Minimum $1,000 to earn APY 0.03% Receive a notification when this rate changes

Truth in Savings Disclosure

  • 1Minimum to earn APY, $1,000.
  • 2Compounded Monthly. The APY is a variable rate and may change after the account is opened. Fees may reduce earnings.

Direct Deposit

Setting up your Direct Deposit:

Why wait for your funds to become accessible when you can set up Direct Deposit and access them quicker? Head to your Human Resources / Payroll Department today and give them our Routing Number (221381540) and your MICR number at CFCU. This convenience can also be set up with Retirement Checks, Social Security, and other Federally recurring payments.

  • What is a MICR number and how do I find it?

    The MICR number appears at the bottom edge of a check. MICR stands for Magnetic Ink Character Recognition. The ink is read electronically by a machine for security and record-keeping purposes.

    Personal Check

    Business Check

Any questions about how to set up Direct Deposit for your particular situation? We're here to help in person or on the phone.

Contact Us

Member Solutions

(Mon-Fri. 8am-5:30pm; Sat. 9am-12pm)

607-257-8500 or toll free 800-428-8340

CFCU Insurance Services

(Mon-Sat. 8am-8:30pm)


Telephone Banking

607-257-8113 or toll free 800-782-9413

Suspected Fraud/Lost/Stolen Debit Card


Suspected Fraud/Lost/Stolen Credit Card

866-205-8314 (Domestic) or 703-463-2473 (International) Option 2

CFCU will never contact a member electronically to obtain personal information. If you receive this type of communication, please contact us immediately to report.


Interested in switching your current CFCU checking account to a Transformation or Simply checking account? Call 800-428-8340, stop in a branch, or send a secure message in Digital Banking.

How to Avoid Overdraft Fees