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With no annual fees, no minimum balance requirements, and a free Debit Mastercard®, CEFCU Checking makes it easy. Plus, enjoy even more benefits:

  • Protect your account from overdraft fees with our Overdraft Transfer Plan. Select the account you want to transfer funds from – you can even transfer from your CEFCU Credit Mastercard – at no charge!footnote 1 It's easy to sign up, just fill out the form and turn it in at a Member Center, call us at 1.800.633.7077, or learn more.
  • Free access to over 30,000 ATMs... so you can access your accounts anytime, anywhere.
  • The option of Dividend Checking to help you save even more!

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 over 30,000 fee-free ATMs.

Overdraft Protection

Avoid merchant fees and declined transactions.

1. Transfers completed as part of an Overdraft Transfer Plan happen automatically if your account is overdrawn, at no charge. Contact us for our fee schedule for more details.

2. 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.