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How is Your Checking Working Out?

How is Your Checking Working Out?

Does your checking solve problems or create obstacles? Is it costing you money? If your checking is working against you, look at some of the benefits that Credit Union of America’s free checking account offers. It's called CORE account because we know that your daily life needs a checking account that is central to your needs for making payments, spending money for life’s needs and wants, and yes, even earning money!

Free Checking

There is no need to pay for your checking account. Credit Union of America’s CORE account is free. Plain and simple. No monthly fees. No per check/transaction fees. No minimum balance is required.

Easy Access

CORE account provides easy access to your funds in all the right ways; free online access, free mobile app, and free teller transactions at the drive-through or in the lobbies. In fact, you will have access to your money at over 30,000+ no-surcharge CO-OP ATMs nationwide and 5,500+ shared credit union branches. Even with limited travel due to the Pandemic, the CO-OP network is available for college students away from home or those business professionals that are still traveling.

Need a debit card? We will issue it right at the desk when you open your account. No waiting to close your old checking account when you have instant access to your CORE account. Plus, Perks Rewards will add up each time you use your debit card, earning you points for free merchandise. And don’t forget to use CardLock. It’s a great feature you can access through online banking or on the go with the mobile app. Lock your card and prevent it from being used UNTIL you are ready to use it. Then, unlock it. It's a great feature if your card is lost or stolen, too. Leave the card locked until you find it or until you cancel the card. NO transactions can be made by anyone if the card is locked. Even better, CardLock is free! CORE is also mobile wallet-friendly, compatible with Apple Pay, Samsung Pay, and Android Pay!

Tired of confidential statements piling up in your home? Wow! The paper can add up fast. But not with free eStatements that are timely and secure. Plus, you will no longer have to shred confidential monthly statements and your carbon footprint will be reduced with this green feature.

Are you paying bills late at night, in the car, or on your lunch break? Free and unlimited online payments are core to streamlining those pesky bill payments. No stamps or envelopes are needed, and you will have a handy, secure record of each payment.

Most people have accounts at a couple of financial institutions, but how do you find time to visit all of them for transactions? No need. With CORE you can make free transfers within online banking or the mobile app to/from your CUA accounts, or accounts at other financial institutions. You can even transfer funds to another individual’s account at CUA. You know, like your teen’s car payment or their allowance! Transfers to CUA deposit or loan accounts and to other domestic financial institutions are always free. Transfers can be set-up as a one-time event or as recurring transfers. All transfer instructions can be edited or deleted before the transfer date.

Getting to the credit union during regular business hours may not fit in your schedule. You have easy and free options for making your deposits. Direct deposit, 24/7 smart ATM deposits, and SnapCheck deposits make it easy. SnapCheck lets you deposit your check from anywhere you have internet access. It is safe, secure, and free. Just open CUA’s mobile app, snap a pic of your check with your mobile device, and deposit it to the CUA account of your choice!

How about a free checking account that pays you? Or even saves you money? CORE pays interest on minimum average balances of $1,000 or greater. AND, if you really need to save cash but also have a need to borrow money, sign up for direct deposit of your paycheck. CORE then extends a discount on your consumer loan rate. For availability and amount of discount, be sure to ask for details when you're applying for the loan.

The mobile app offers a Snapshot view that gives you an instant update on your current balance without logging in, and the app is touch-login friendly.

Handle your finances on your schedule. Open new accounts on the go with online account opening and loan application. Both are available via the CUA app or desktop online banking.

If you are ready to open a CUA checking account, the CORE account requires a $25 share/savings membership account at CUA and a $100 opening deposit. Current membership must be in good standing. CUA makes it easy with just one free checking account satisfying your payment, spending, and earning needs. If you have other financial needs, please reach out to your nearest CUA branch. We’ll find a solution for you! Welcome to Friendly…with a free CORE account!


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