Choose the Checking Account Option That Is Right For You!
We have a basic checking account and checking options that earn Cash Back Rewards Points when you make purchases with your debit card.
Checking Account Features
- Access to Digital Banking.
- Access to over 85,000 surcharge-free ATMs worldwide.
- Digital Wallet Capabilities (Apple and Google Pay).
- Electronic Statements.
- Deposits are Federally Insured by the NCUA to at least $250,000.
Simply Checking
Our basic checking account.
- Avoid the $3 monthly fee with EITHER 12 or more debit card transactions per month OR at least one direct deposit per month.
- Opening deposit of only $25.
Student Checking
Earn CASH BACK Rewards points on DEBIT Card purchases with uChoose Rewards.
- Age range 13 - 25 (ages 13 - 15 require a co-signer).
- No minimum balance.
- No monthly fee.
- No debit card replacement fee.
- No overdraft protection fee (ODP).
- Opening deposit of only $5.
Transformation Checking
Earn CASH BACK Rewards when you swipe your debit card.
- Dividends paid on balances of $1,000+
- Avoid the $10 monthly fee with EITHER 15 debit card transactions per month OR a combined average daily balance of $5,000 in your checking, savings, and CD accounts.
- Opening deposit of only $25.
High Yield Checking
Earn 4.00% APY on account balances up to $10,000 and .35% APY on balances over $10,000 when:
Enrolled in Electronic Statements AND have 15 debit card transactions per month.
- No monthly fee.
- Opening deposit of only $25.
Control Your Debit Card with CFCU More!
- Change your pin
- Add travel exemptions/alerts
- Freeze/activate your card
Switching Your Checking from Another Financial Institution to CFCU is Easy!
Switch Deposits+ is a tool available in CFCU More that makes moving your checking or savings account from another institution to a CFCU checking or savings account, just a few simple clicks away.
Upgrade Your CFCU Checking
If you have a CFCU Premier, Classic, or Electronic checking account and want to upgrade to a Transformation or Simply Checking account, it’s easy!
Just give us a call or visit us at a branch.
1The Simply Checking account primary owner must have at least one direct deposit into their Simply Checking account per month OR have at least 12 debit card transactions per month, otherwise a monthly service fee of $3 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.
2The Transformation Checking account primary owner must have a combined average daily balance of at least $5,000 in their checking, savings, and certificate accounts OR have at least 15 debit card transactions per month, otherwise a monthly
service fee of $10 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.
3The Student Checking account primary owner must be age 13-25. Once the primary account owner reaches the age of 26, the account will be converted to a Transformation Checking account. Minimum opening deposit $5. Membership eligibility requirements
apply.
4High Yield Checking: Earn 4.00% 2APY on account balance up to $10,000 and .35% on balance over $10,000 when you meet the following qualifications. The primary account owner must be enrolled to receive electronic statements and the account must have at least 15 debit card purchases per month
We offer rewards checking in Ithaca, Cortland, Waterloo, North Syracuse, East Syracuse and more.