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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
  • 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 overdraft per year
  • 1 free domestic wire per year
  • 2,500 bonus VISA points
  • 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
  • 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

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Business 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)

Business Checking Solutions Business Simple Checking Business Simple
Interest Checking
Free eStatements
Up to 16 months archived history
Required Yes
Minimum Balance None $1,500 avg. daily balance to earn dividends
Monthly Maintenance Fee $5.00 $7.50 monthly
Deposit to open $100 $100
Free transactions First 100, no charge
Over 100 - $.25 per withdrawal or item
First 100, no charge
Over 100 - $.25 per withdrawal or item
Dividend/Interest Bearing Not available Paid monthly on average daily balances of $1,500 or more

View Rates Business Resources