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Coming Soon! A new digital banking experience. Click here to make sure you're ready!

Free Checking

Zero—unlimited!
Zero fees, zero minimum balance*
Get Started

Pay bills, get cash, and transfer money—all without the extra monthly fees.

Enjoy the following FREE benefits:

  • Get paid up to two days early with early direct deposit1
  • Mobile Wallet for Debit Card  
  • Send and receive money via Zelle
  • Unlimited reimbursement for any and all ATM fees**
  • No monthly maintenance fees, for anything
  • Unlimited check writing
  • Convenient Digital Banking and Bill Pay
  • Over 30,000 ATMs & over 5,000 shared branches 
Open Account
Frequently Asked Questions

Free Checking FAQs

Banking is personal business. And we've made it our mission to give our members a banking experience that puts their needs first.
Nope, you can open an account online in minutes! However, if you would like to come in, we would love to meet with you and help you get set up.

Yes! We also want to reassure you that your money is safe and is federally insured by the National Credit Union Administration (NCUA), which is equivalent to the FDIC for banks.

Related Products
More checking options to explore

Rewards Checking

Want to access some of the nation's best checking account benefits? Our Rewards Checking offers up to 5.00% APY Earnings.

Learn More

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.

Learn More

Bank anytime, anywhere.

Download the CCU mobile app for fast, secure access to your accounts, easy transfers, mobile check deposits and more.

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*Minimum $5.00 opening deposit required

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.

**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.