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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 by the last day of the qualification period.  
  • Have a direct deposit into your account OR process one payment with bill pay in digital banking during the qualification period.
  • Have at least 12 CCU Visa® credit or check card purchases posted to your account each qualification period.
  • The qualification period runs from the 26th of the month through the 25th of the following 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. December 22, 2022, and is subject to change. Dividends paid on balances up to $20,000. **ATM fees refunded up to $30 per qualification period. 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
Pays dividends yes1    
Refunds ATM fees yes2 yes2    
Designed for younger members   yes yes  
No minimum balance required yes yes yes yes
No monthly service fee yes yes yes yes
No per-check charge yes yes yes yes
Free digital banking access yes yes yes yes
Free mobile banking apps yes yes yes yes
Free Check/ATM card yes yes yes yes
Unlimited CCU ATM Access yes yes yes yes

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

2ATM fees refunded up to $30 per qualification period. 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 (EOP)

Works in conjunction with overdraft protection to prevent paper checks, ACH (automated clearing house) and recurring debit card transactions (for example streaming services, gym memberships and some utility payments) from being returned for insufficient funds. In the event you exhaust all other overdraw protection options that apply to your account, the Credit Union may, under our EOP service attempt to pay qualifying transaction(s), when possible, and charge you an EOP fee. This will place your checking account in the negative up to a limit, as determined by the Credit Union. Your EOP limit is subject to change at the discretion of the Credit Union. 

  • Available to members in good standing, age 18 and older.
  • There is a $32 charge for each item cleared using EOP.