Plus Checking

Earn interest and enjoy exclusive benefits. Plus Checking from Communication Federal Credit Union combines great features and the personal service you expect from your credit union with a low monthly fee that can be waived easily.*

Experience the Credit Union Difference

Plus Checking is a continuation of Communication Federal Credit Union’s commitment to being your partner in financial success. Plus Checking offers all of the perks and features you expect from a checking account at a big bank, but without the fees and additional charges.

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Plus Checking vs. Bank Checking Accounts

As of January 1, 2019


Plus Checking

Bank of America

Core Checking


Total Checking®

Monthly Service Fee
$4 (Can be Waived) $121 $121
Pays Dividends?
Yes – 010% APY^ 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 Plus 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 experience better checking at Communication Federal Credit Union.

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

Plus Checking Features

Earns Interest

Online Banking

Remote Deposit

Free Debit Card


* Plus Checking Disclosures:

^ APY = Annual Percentage Yield

Dividends paid monthly on the daily balance when it exceeds $750. Interest rate may vary. See our Rates page for most current interest rate information.

Monthly fee 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.