Pay Me Checking

How much can you earn? Pay Me Checking from Communication Federal Credit Union is what better checking should be. It’s free to open, has $0 in monthly service fees, and rewards you with $0.10 in cash back for qualifying debit card purchases.*

How Does Your Bank Compare?

Communication Federal Credit Union’s Pay Me Checking account has no monthly fees, and rewards you with cash back every time you swipe your CFCU Visa Debit Card to make a purchase.* Cash back rewards are paid on the first business day of each month!

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Pay Me Checking vs. Bank Checking Accounts

As of January 1, 2019


Pay Me Checking

Bank of America

Core Checking


Total Checking®

Monthly Service Fee
$0 $121 $121
Cashback Rewards
Yes – $0.10 / Debit Card Purchase!* None None
Opening Deposit
$25 $25 $25
Out-of-Network ATM Fee
$0 – Free!2 $2.50 Min. Fee $2.50 Min. Fee
ATM Fee Refunds
Up to $25/Month!3 None None
Free Box of Checks
Yes – 1st Box Free No – Fee Varies No – $18.95 / Box
Free Online & Mobile Banking
Yes Yes Yes
Free Bill Pay & eStatements
Yes Yes Yes
Foreign Transaction Fees
$0 – None! 3% of Amount in USD 3% of Amount in USD
Send Money to Friends & Family
Yes – Online or via Venmo Yes Yes
Overdraft Protection Transfer Fee
$2 / Transfer $12 / Day 4 $0 / Transfer 5
Information for the above comparison table was obtained January 1st, 2019 from the aforementioned bank’s websites. Information is subject to change without notice.

1 Monthly Fee can be waived with qualifying account activities or if you are under 24 years old and enrolled in school. 2 CFCU does not charge out-of-network ATM fees, but other financial institutions or merchants may. 3 Up to $25 in fees assessed by out-of-network ATMs can be refunded each month with qualifying account activities. 4 Overdraft protection transfer from a linked Bank of America savings account or line of credit. 5 Overdraft protection transfer from a linked Chase savings account.

Ready to Switch?

Switch to Pay Me Checking today and experience better banking at Communication Federal Credit Union – Oklahoma’s #1 Credit Union!

Already Applied?

We’re here to make switching as easy as possible! Once your account has been approved, use the resources below to set up your new account and start earning cash back with Pay Me Checking.

Have questions about using your new account? Call us at 844.231.6818 or Contact Us Online.

Best Credit Union in Oklahoma in Member Value

Pay Me Checking Features

Cash Back

Online Banking

Remote Deposit

Free Debit Card


Pay Me Checking Rewards: Must enroll in eStatements and receive a monthly direct deposit of $500 or more to qualify for rewards and ATM fee refunds. Effective March 1, 2020, purchases made with a debit card linked to a Pay Me checking account must be a minimum of $5.00 in order qualify for the $.10 swipe reward.