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Free Student Checking Account
Features include:
- Designed for younger members and
students age 16 - 24
- No Monthly Service Charge
- No per check fees
- 1st box of CFCU custom
checks FREE
- FREE CU OnLine & Starline services
- 5 FREE counter withdrawals per
month; $1 thereafter
- 1 FREE ATM/Check Card
- Unlimited FREE transactions at
all CFCU or ATM Zone ATMs
- 5 FREE foreign transactions per
month
- FREE E-Statements; paper
statements $1 per month
- Unlimited CU OnLine Bill Pay
transactions available for $3.95 per month
To open a Free Student account, a member
must have at least $5 in a regular share account. A minimum
deposit of $25 is required, but there is no ensuing minimum
balance. A parent or guardian must be a joint owner if the
account holder is under age 18.
Features include:
- No minimum balance
- Unlimited check writing
- Low $4 monthly service charge;
waived with $500 per month direct deposit or if $750
is maintained on deposit in a CFCU Savings,
Share Certificate or Share Draft/Checking account
- 1st box of CFCU custom
checks FREE
- FREE CU OnLine & Starline services
- FREE CU OnLine Bill Pay upon
request
- Unlimited FREE counter
withdrawals
- 2 FREE ATM/Check Cards
- Unlimited FREE transactions at
all CFCU or ATM Zone ATMs
- 5 FREE foreign transactions per
month
- FREE E-Statements
- Dividends compounded and paid
monthly on the daily balance when it exceeds $750
- Honor Pay Overdraft Protection
available with $500 per month direct deposit*
To open a +Plus account, a member
must have at least $5 in a regular share account. A minimum
deposit of $25 is required, but there is no ensuing minimum
balance.
Features include:
- Rewards members based on their
credit union relationship
- No minimum balance
- Unlimited check writing
- Low $7 monthly service charge;
waived with $1,500 per month direct deposit or if
member has $15,000 in combined loan balances or if
$5,000 is maintained in a CFCU Savings,
Share Certificate or Share Draft/Checking account
- FREE CFCU custom checks (up
to 3 boxes per year)
- FREE CU OnLine & Starline services
- FREE CU OnLine Bill Pay upon
request
- Unlimited FREE counter
withdrawals
- 2 FREE ATM/Check Cards
- Unlimited FREE transactions at
all CFCU or ATM Zone ATMs
- 10 FREE foreign transactions per
month
- FREE E-Statements
- 1 year FREE safe deposit box
rental (3x5 size; credit given for larger boxes)
limited to location and availability
- Dividends compounded and paid
monthly on the daily balance when it exceeds $750
- Honor Pay Overdraft Protection
available with $500 per month direct deposit*
To open a Premier account, a member
must have at least $5 in a regular share account. A minimum
deposit of $25 is required, but there is no ensuing minimum
balance.
Features include:
- Designed for those who maintain
a higher checking balance and want the most from
their credit union relationship
- No minimum balance
- Unlimited check writing
- $10 monthly service charge;
waived if $1,000 is maintained in the account at all
times or if primary member is over age 60
- FREE CFCU custom checks (up
to 4 boxes per year)
- FREE CU OnLine & Starline services
- FREE CU OnLine Bill Pay upon
request
- Unlimited FREE counter
withdrawals
- 2 FREE ATM/Check Cards
- Unlimited FREE transactions at
all CFCU or ATM Zone ATMs
- 10 FREE foreign transactions per
month
- FREE E-Statements
- 5 FREE Cashier's Checks per
month
- 1 year FREE safe deposit box
rental and 25% discount on yearly box rental (3x5
size; credit given for larger boxes) limited to
location and availability
- A Bonus Rate on certificates and
loans
- No origination fees on first
mortgages
- Dividends compounded and paid
monthly on the daily balance when it exceeds $750
- Honor Pay Overdraft Protection
available with $500 per month direct deposit*
To open a Platinum account, a member must
have at least $5 in a regular share account. A minimum
deposit of $1,000 is required, but there is no ensuing minimum
balance. However, if a balance of $1,000 is not maintained
in the account or the primary member is not over age 60, the
standard monthly service charge of $10 will apply.
Features include:
- Earns Reward Rate of 4.00% APY* when qualifications are met each cycle
- Up to $25 in foreign ATM fee
refunds each cycle**
- No monthly service charge
- No minimum balance; only $25 to
open
- Unlimited check writing
- FREE first box of CFCU
custom checks
- FREE CU OnLine & Starline services
- FREE CU OnLine Bill Pay
- Unlimited FREE counter
withdrawals
- FREE VISA Check Card
- Unlimited FREE transactions at
all CFCU or ATM Zone ATMs
- No CFCU charges for foreign
ATM use
- FREE E-Statements
Reward Rate qualifications each cycle:
- 12 signature-based Check
Card transactions
(posted during qualification cycle)
- Direct Deposit of $500
and one ACH Auto Debit or Bill Pay
(posted during
qualification cycle)
- Enroll in and receive Electronic
Statements
**ATM fee refunds up to $25 per cycle if
qualifications are met. *Reward Rate of 4.00% Annual
Percentage Yield (APY) paid on balances between $0.01 and
$30,000, and 1.00% APY paid on balances above $30,000 each
cycle when the minimum qualifications are met. If these
qualifications are not met per cycle, the account will still
function as a free checking account earning the Base Rate of
0.25% APY; however, ATM fees will not be refunded for that
time period. No minimum balance required; however a minimum
deposit of $25 is required to open this account. Free Online
Bill Pay and Overdraft Protection included. Rates effective
as of August 1, 2010. The interest rate and APY may change
at any time.
Electronic Transfer Account
Features include:
- Designed for those who prefer to
conduct business electronically or to help those who
may not qualify for a traditional checking package
- Low $4 monthly service charge
- Requires Direct Deposit
- FREE CU OnLine Starline services
- No checks issued with this
account
- Counter withdrawals are $1 each
- 5 FREE foreign transactions per
month
- 1 FREE VISA ATM/Check Card
- Unlimited FREE transactions at
all CFCU or ATM Zone ATMs
- Dividends are not paid on this
account
- FREE E-Statements; paper
statements $1 per month
- Unlimited CU OnLine Bill Pay
transactions available for $3.95 per month
To open an Electronic Transfer Account, a member
must have at least $5 in a regular share account. A minimum
deposit of $25 is required, but there is no ensuing minimum
balance. Check holds of at least two business days will be
placed on all check deposits other than payroll checks.
*Honor Pay Overdraft Protection
- Saves returned check fees from
merchants
- All other means of overdraft
protection will be attempted prior to use of Honor Pay
- When an overdraft occurs, your
account will be taken negative by the dollar amount of
the overdraft, plus the service charge
- Allows you to overdraw your
account a maximum of $500 at any one time
- A service charge of $25 will be
assessed for each overdraft item. There are no
additional fees or monthly service charges for Honor
Pay
- You must have direct deposit of at
least $500 per month and the account must be in good
standing to qualify for Honor Pay
- The account must be open a minimum
of two months to qualify for Honor Pay
Additional Features on All Checking
Accounts
- Free CU OnLine & Starline Services
- Free CU OnLine Account Alerts
- "Alert Me" Fraud Protection for
$4.25 per month
*Not Available on
Electronic Transfer or Free Student Accounts
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