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Checking Accounts
to Fit Your Lifestyle

A checking account at your Community Financial Credit Union gives you extraordinary freedom of access to your accounts, whenever and wherever.

Whether you are looking for a basic checking account, an account to get your teen started off on the right foot, or an account that earns dividends, you’ll enjoy a checking account loaded with outstanding benefits.

High Yield eChecking

High Yield eChecking
Get rewarded for using the electronic services you love like a debit card, estatements, and direct deposit. High Yield eChecking earns highly competitive dividends and provides ATM fee refunds.

Simply Checking

Simply Checking
Our no-frills free checking account offers convenient access with no monthly service fees.

Achieve Checking

Achieve Checking
Teens can achieve solid financial skills with this free checking account. It includes convenient debit card access and no monthly service fee.

Square One

Square One Checking
Square One Checking gives those with past account issues a way to get a fresh start without giving up the convenience of a debit card.

High Yield eChecking

Make the most of your money with a CFCU High Yield eChecking account.


  • No minimum balance
  • No monthly service charges or per check fees
  • Access your account anytime, anywhere via eAccess, Free Visa Debit Card® or by phone
  • Free Bill Pay and free online check images
  • Courtesy Pay overdraft coverage
  • eAlerts! provide notification to your email or cell phone of select account activity

Plus, when you meet the account requirements you'll receive these additional benefits:

  • High-yield earnings on balances up to $10,000* View Current Rates
  • Foreign ATM fee refunds up to $10 per month**

It's Easy to Qualify - just use these services monthly:

  • Have direct deposit or payroll deduction deposit made to your High Yield e-Checking account
  • Receive eStatements
  • Complete at least 15 signature-based Visa® Check Card transactions (ATM and PIN transactions excluded)
  • Monthly eAccess Login
  • Maintain valid email address

Safe and Secure - Remember that your deposits at CFCU are federally insured up to $250,000 by NCUA.

Want to know more? Check out the High Yield eChecking Frequently Asked Questions.

*Qualifying accounts will earn the High Yield Rate, on balances up to $10,000 and the Standard Rate, on balances over $10,000. Non-qualifying accounts will earn the Non-qualifying rate.
**Member must present original receipt to claim the surcharge reimbursement within 60 days. Eligibility required. Contact us for complete details.
See the full disclosure.

Simply Checking
Simply Checking
Sometimes you just want a low-cost, flexible checking account. Our Simply Checking Account is our basic checking account but you'll find it has some options that come in handy from time-to-time like a debit card, courtesy pay, and online banking with free bill-pay.
  • No monthly service charges or per-check fees.
  • Overdraft protection from savings is available.
  • As an added measure of protection to your personal checking account. Courtesy Pay* may cover your insufficient funds checks, up to your approved limit, for one low fee per covered overdraft transaction.
  • Payroll deduction/direct deposit accepted from participating employers.
  • Personalized duplicate style checks allow automatic, on-the-spot record-keeping.
  • Automatic check safekeeping.
  • Itemized monthly statements.
  • Visa Debit Card available for check-free convenience at participating merchants or use it as an ATM card at participating ATMs.
    • Up to 12 free withdrawals per month at any CO-OP, Cirrus, Pulse, Plus, or Visa ATM.
    • Pay for goods and services wherever Visa is honored - over 12 million merchants worldwide
    • Get cash or make other transactions at ATMs
    • Get cash advances at financial institutions around the world
  • No regular minimum balance required
  • eAlerts! provide notification to your email or cell phone of select account activity

*Subject to approval and/or eligibility.

Achieve Checking

Square One Checking

We're here to help you launch the youth in your life toward financial independence. Learning how to use a debit card responsibly and balance a checkbook is good practice while you are there to guide them.


  • Easy access with eAccess and Visa Debit card
  • No minimum balance
  • No monthly service charges
  • Courtesy Pay* overdraft coverage
  • eAlerts! provide notification to your email or cell phone of select account activity

*Subject to approval and/or eligibility.

Square One Checking

Square One Checking

We all make mistakes. Perhaps you’ve had some problems with past accounts. Sometimes starting fresh is the best solution. Move forward with us to Square One Checking.

This account includes nearly all of the features of our Simply Checking Account including:

  • Visa Debit Card
  • Free Online banking
  • Free Online Bill Pay
  • Unlimited check clearings
  • No minimum balance
  • Overdraft protection from savings
  • Free direct deposit or payroll deduction
  • eAlerts provide notification to your email or cell phone of select account activity.

Because of the nature of this account there are a few differences. Courtesy Pay is not available on this account. There is a monthly charge* but the account minimum balance fee is waived, if applicable.

What’s next? After one year in this account with no new ChexSystems records and limited NSFs, you can request a move to one of our other checking accounts.

*For current fees and charges, see the Fee Schedule.

Checking Extras

ATM/VISA Debit Card
Online Check Orders

Courtesy Pay Protection

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