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
Frequently Asked QuestionsFree Checking FAQs
Do I have to open an account at a branch location?
Is my money safe?
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 ProductsRewards Checking
Want to access some of the nation's best checking account benefits? Our Rewards Checking offers up to 5.00% APY Earnings.
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
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.