Pay bills, get cash, and transfer money—all without the extra monthly fees.
Enjoy the following FREE benefits:
- No monthly maintenance fees
- Early direct deposit — get paid up to two days sooner1
- Access to over 30,000 surcharge-free ATMs and 5,000+ shared branches nationwide
- Unlimited ATM fee reimbursements**
- Send and receive money via Zelle
- Convenient Digital Banking and Bill Pay
- Mobile wallet access for your debit card
Frequently Asked QuestionsFree Checking FAQs
Do I have to open an account at a branch location?
Is my money safe?
Yes! We want to reassure you that your money is safe. We are federally insured by the National Credit Union Administration (NCUA), which is similar to the FDIC for banks. Click here for more information www.NCUA.gov.
Related ProductsRewards Checking
Want to access some of the nation's best checking account benefits? Our Rewards Checking offers up to 5.00% APY* Earnings.
*APY = Annual Percentage Yield
CCU Visa Credit Cards
With lower rates and better rewards, we have a card that's right for you. Combined with our Rewards Checking you can enjoy some of the best rates in the country.
Bank anytime, anywhere.
Download the CCU mobile app for fast, secure access to your accounts, easy transfers, mobile check deposits and more.
*Minimum $5.00 opening deposit required
**We offer over 30,000 surcharge-free ATMs nationwide and we refund fees charged by other bank ATMs when you meet your minimum Rewards Checking requirements.
1 Early Direct Deposit: Early fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason, we cannot guarantee early deposits in all cases.