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Don’t fall for big promises… choose Checking that’s better!

Members have free access to nearly 30,000 ATMs… more than two Top Ten banks, combined.*

Account Comparison

Which fits you best?

Features & Benefits

Mobile App

Access your accounts with your smartphone or tablet.


Reorder checks the convenient way — online.

Debit Card

Get cash and make purchases worldwide.


Go green and enjoy convenient, secure statement access.


Use nearly 30,000 fee-free ATMs.

Overdraft Protection

Avoid merchant fees and declined transactions.

*Based on 2015 information, top 10 U.S. biggest banks Wells-Fargo and PNC have fewer than 22,000 ATMs combined.

**Minimum balance requirement to open or convert to Dividend Checking is $2,500. A Dividend Checking Account will be charged a $6.00 fee for each statement period that the average daily account balance drops below the minimum $2,500 level. Dividends are paid on a tiered-rate system: balances from $2,500 to $4,999; $5,000 to $9,999; and $10,000 or higher. If a Dividend Checking account is closed or converted to a non-dividend Checking account, dividends earned in the current statement period at that time are forfeited. Contact CEFCU for full details. Dividend Checking accounts accrue dividends on a daily basis. Dividends post monthly based on the Checking cycle. To earn dividends and avoid the fee, members must maintain an average daily balance (throughout the entire statement cycle) of at least $2,500.