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Windfall Checking®

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It's time for Better Banking!

Get the most value from our free, high-yield Windfall Checking account. No minimum balance. No monthly service fees. Convenient overdraft protection. Annual percentage yield paid on your balance. What could be better than an account that rewards you!

Features of Windfall Checking

You work hard for your money and we think it should work hard for you. Windfall Checking® is our high-yield checking account that actually pays you back!

Call us, click below, or stop by your local branch to apply!

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With Windfall Checking, the benefits keep coming:

Enjoying the benefits of a Windfall Checking account is simple. All you have to do is:

  • Sign up to receive your statements online.  
  • Have a direct deposit into your account. 
  • Have at least 12 CCU Visa® credit or check card purchases posted to your account each month.

Already have a checking account with CCU?

Converting to a Windfall Checking account is simple! Just give us a call.


Membership eligibility required. *APY=Annual Percentage Yield. APY is effective as of 5:00 p.m. March 26, 2020, and is subject to change. Dividends paid on balances up to $20,000. **ATM fees refunded up to $30 a month. If requirements are not met, no dividend will be paid and ATM fees will not be refunded.

Compare the differences between our checking accounts

Windfall Checking® All Axcess X-treme Value Advantage
Pays dividends yes1     yes2
Refunds ATM fees yes3 yes3      
Designed for younger members   yes yes    
No minimum balance required yes yes yes yes  
No monthly service fee yes yes yes yes yes
No per-check charge yes yes yes yes yes
Free digital banking access yes yes yes yes yes
Free mobile banking apps yes yes yes yes yes
Free Check/ATM card yes yes yes yes yes
Unlimited CCU ATM Access yes yes yes yes yes

1Dividends paid on balances up to $20,000. If requirements are not met, dividend will not be paid.

2$4,000 minimum balance earns dividends.

3ATM fees refunded up to $30 a month. If requirements are not met, ATM fees will not be refunded.

Overdraft Protection

Protects your checking account from insufficient funds by automatically transferring funds from your savings account in the event of an overdraft.

Can transfer funds in two ways:

    • From savings ($3 fee per item).
    • From Visa® via a cash advance.

Enhanced Overdraft Protection

Works in conjunction with overdraft protection to prevent paper checks and ACH (automated clearing house) transactions from being returned for insufficient funds. Once all of the funds available under your savings account have been exhausted, we may access your Enhanced Overdraft Protection amount, up to $400 maximum, for the remainder of the funds needed to cover your checks. This will place your checking account in a negative balance.

  • Available to members in good standing over the age of 18.
  • Available for ACH transactions and paper checks.
  • Can overdraw up to $400.
  • There is a $32 charge for each item cleared using Enhanced Overdraft Protection.