Pick the checking account that's right for you.
Enjoy free checking with awesome perks at Communication Federal Credit Union. Earn cash back with PayMe Checking or a competitive rate with Performance Checking.
PayMe Checking
Earn Cash Back on Debit Card Purchases*-
$0 Monthly Service Fee
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No Monthly Balance Requirement
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Free Visa Debit Card
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Access to 45,000 No Fee ATMs
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Quarterly Double Reward Categories
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$25 Minimum Opening Deposit
Performance Checking
Earn a Competitive Interest Rate**-
$0 Monthly Service Fee
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No Monthly Balance Requirement
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Free Visa Debit Card
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Access to 45,000 No Fee ATMs
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1st Box of Checks Free¹
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$25 Minimum Opening Deposit
Student Checking
Fee-Free Checking for Students-
No Monthly Balance Requirement
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Free Visa Debit Card
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Access to 45,000 No Fee ATMs
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Free Credit Score & Report Monitoring
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Visa Zero Liability Fraud Protection***
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$25 Minimum Opening Deposit
Experience the Credit Union Difference
CFCU is a full-service credit union with almost 300 employees and 22 branches in Oklahoma and Kansas, serving more than 130,000 members. We are a member-owned financial cooperative, which means we do not exist to make profits for a group of shareholders, but rather for the benefit of our members and to better our communities.
Join over 130,000 members who trust CFCU as their partner in financial success!
A minimum opening deposit of $25 is required to open a checking account. Checking accounts are subject to approval and all eligibility guidelines apply. CFCU membership is required, which involves opening a Primary Savings account with a $5 deposit.
*PayMe Checking Rewards: To qualify for PayMe cash back rewards and ATM fee refunds, you must use your PayMe Checking account to meet all of the following qualifications during each calendar month.
- Receive electronic deposits totaling at least $500. (Electronic deposits include direct deposits, ATM deposits, mobile deposits, and electronic transfers from another financial institution.)
- Enroll in and receive eStatements.
Purchases made with a debit card linked to a PayMe Checking account must be a minimum of $10.00 in order qualify for the $0.05 swipe reward. PayMe Checking rewards earned will be deposited to your Primary Savings account in the calendar month following qualifying activities.
**Performance Checking Disclosures:
^APY = Annual Percentage Yield. Rates accurate as of 2/25/2025 and may change at any time without notice.
Reward Rate Qualifications:
To qualify for the reward rate and ATM refunds, you must use your Performance Checking account to meet all of the following qualifications during each qualification cycle.
- Make a minimum of 12 debit card purchases (excluding ATM transactions) totaling at least $500. (Posted during each qualification cycle.)
- Receive electronic deposits totaling at least $1,500. (Posted during each qualification cycle.)
- Electronic deposits include direct deposits, ATM deposits, mobile deposits, and electronic transfers from another financial institution.
- Have at least one ACH automatic debit transaction. (Posted during each qualification cycle.)
- Enroll in and receive eStatements.
(1) Balances up to $30,000 receive APY of 4.00%; and (2) balances over $30,000 earn 0.10% interest rate on portion of balance over $30,000, resulting in 4.00% – 0.10% APY depending on the balance.
If qualifications are not met, all balances earn 0.10% APY.
Qualifying transactions must post to and settle in account during monthly qualification cycle. Transactions may take one or more business days from the date transaction was made to post to an account. ATM-processed transactions do not count towards qualifying debit card purchases.
“Monthly Qualification Cycle” means a period beginning on the 25th day of the month and ending on the 24th day of the following month. Transfers between accounts do not count as qualifying transactions. Fees may reduce earnings.
***Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify the credit union immediately of any unauthorized use.
¹The first box of CFCU Branded checks is free.