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Checking

Secure checking options with online and mobile banking account access.

Open a Checking Account
Compare Interest Rates
Order Checks
Youth Checking Quiz

 

Personal Checking

Choose from three account types, each with flexible features and unique benefits.

View RatesOpen an AccountYouth Checking Quiz

Personal Checking

All CUA checking accounts feature:

$100 opening balance, online and mobile banking, same-day debit cards, loan discounts, electronic bill pay, SnapCheck remote deposit, access to 30,000+ no surcharge ATMs, overdraft protection and 4 free non-CUA ATM transactions each month (surcharges may apply from the ATM owner)

  Requirements Benefits
SimpleCheck
  • Direct Deposit or Electronic Payment/Deposit or
  • Minimum combined deposits of $1,000 or
  • Minimum combined loan balances of $5,000+

Fee of $5.95/month if at least one requirement is not met
  • Easy to meet monthly requirements.
ConnectCheck

Open
  • Direct Deposit or Electronic Payment/Deposit AND
  • eStatements AND
  • >= 12 debit card transactions/month

Fee of $2.95 per month if all requirements not met (waived for youth)
  • Interest bearing with average daily balance of $1,000
  • 1 free domestic wire per year
  • 2,500 bonus VISA Platinum Give back points for new cardholders
  • CD rate bonus
  • ConnectCheck available to students ages 14 and over with parent or guardian as co-owner. Available to students ages 16 and older without co-owner if the online checking tutorial is completed with at least 14 correct answers – print and bring results when opening account. 
ReserveCheck

Open
  • Primary account owner must be at least 55 years of age
  • No monthly fee
  • Interest bearing with average daily balance of $1,000
  • 20% off check orders

View Rates

VISA Debit Cards

CUA’s EMV chip debit cards are more secure and easy to use.

Tips for Card Disputes

VISA Debit Cards

Use CUA debit cards anywhere VISA is accepted, either with a PIN or signature. Both transaction types are deducted from your checking account. Withdraw up to $1,000 daily from ATMs or request cash back on merchant purchases.

Our debit cards have EMV chips to make your purchases more secure, and we offer CardLoc through online banking, which allows you to set daily spending limits and ATM withdrawal amounts as well as lock your card from being used if it’s been misplaced or stolen.

Debit cards are also available for businesses! Get ATM and point-of-sale access to your business checking and utilize online banking for CardLoc features.

Disputing a Charge Locations and ATMs CUA Perks