Checking Accounts
Choose the account that works best for you ...
Choose a checking account with benefits that work for you. Looking for a basic checking account? Or are you looking for extra rewards? We offer several Checking Account options for you to choose from:
- Windfall Checking Account
- Value Checking Account
- Advantage Checking Account
- Travel & Expense Checking Account
All types of Checking Accounts offer the following benefits:
- No monthly service charge
- No per check charge
- FREE Check/ATM Card
- FREE Home Banking
- FREE online Bill Pay
- FREE D.A.D.® (Dial Accounts Direct) Telephone Service
- Unlimited transactions at CCU ATMs
- Convenient overdraw protection
- Check copies can be viewed online in Home Banking
Windfall Checking
- Benefits:
- 3.5% APY* paid on your balance up to $25,000
- No minimum balance requirement
- No monthly service fee
- ATM fees refunded**
- All you need to do:
- Receive your statements online
- Have a direct deposit into your account
- Complete 12 or more CCU credit card or check card purchases each month
Value Checking
- Offers convenience, without the cost
- No minimum balance requirements
Advantage Checking
- Offers convenience, PLUS you earn dividends
- $4,000 minimum balance earns monthly dividends1
- FREE box of checks upon opening account
- All ATM transactions are FREE - even at non-CCU ATMs2
Travel & Expense Checking
- Offers a simple, convenient way to keep your business expenses separate from your everyday living expenses
- No minimum balance requirements
Overdraw Protection
Protects your checking account from insufficient funds by automatically transferring funds from your savings account in the event of an overdraw.
Enhanced Overdraw Protection
Works in conjunction with overdraw protection to prevent paper checks from being returned for insufficient funds. Once all of the funds available under savings account have been exhausted, we may access your Enhanced Overdraw Protection amount, up to $400 maximum, for the remainder of the funds needed to cover your checks and place your Checking Account in a negative balance.
To sign up for a CCU Checking Account, log in to Home Banking, click on the "Online Forms" tab, and select "Additional Accounts / Services" or call 607-962-3144 or 800-677-8506 to speak to one of our Member Service Representatives.



