Checking Accounts
Move your checking to Central Credit Union, and take advantage of our fantastic financial rewards and convenience.
If you want to open a checking account and you are not an existing Central Credit Union member, please click here to join and apply for your account.
Checking Account Options
Introducing Free Kasasa Rewards® Checking Accounts!
Free Kasasa Cash® checking
Now you can get free checking that pays! Earn a great return, plus refunds on ATM withdrawal fees.
Benefits
- Free checking that pays high dividends
- 5.50% APY* on balances up to and including $25,000
- 5.50% to 1.50% APY on balances over $25,000 depending on balance in account*
- 0.05% APY* on all balances if qualifications aren't met
- Refunds on nationwide ATM withdrawal fees (up to $25 monthly)*
- Link to free Kasasa Saver to build savings automatically
- No minimum balance to earn rewards
- No monthly maintenance fee
- Free online banking with bill payment
- Free mobile banking
- Free e-statements
- Free Visa® debit card
- No minimum deposit to open
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
- At least 1 ACH/direct deposit of $500 or more
- At least 12 debit card purchases of $5 or more
- Be enrolled in and agree to receive e-statements
And if you don’t meet these qualifications, don’t worry — your account is still free.
Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
I want to open a Kasasa Cash account!
Free Kasasa Cash Back® checking
Get rewarded just for using your debit card to make purchases – no category restrictions, points or expiration dates. Simply cash.
Benefits
- Free checking that pays you back
- Get 5.50% cash back on debit card purchases**
- No category restrictions on purchases
- Cash back earned on as much as $200 in purchases monthly
- Earn as much as $132 cash back per year, $11 per month
- Refunds on nationwide ATM withdrawal fees (up to $25 monthly)**
- Link to free Kasasa Saver to build savings
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free online banking with bill payment
- Free mobile banking
- Free e-statements
- Free Visa® debit card
- No minimum deposit to open
- Optional overdraft protection
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH/direct deposit of $500 or more
- At least 12 debit card purchases of $5 or more
- Be enrolled in and agree to receive e-statements
And if you don’t meet these qualifications, don’t worry — your account is still free.
And you can get right back to earning your cash rewards the very next cycle that you qualify.
I want to open a Kasasa Cash Back account!
Free Kasasa Saver®
Link to your Kasasa Cash or Cash Back checking, and build savings automatically while earning a high rate of return.
Benefits
- Free account that builds your savings effortlessly
- Links to free Kasasa Cash or Kasasa Cash Back checking
- Automatic transfers of Kasasa Cash or Kasasa Cash Back earnings
- 2.00% APY† on balances up to and including $100,000
- 2.00% to 1.25% APY on balances over $100,000 depending on balance in account†
- 0.05% APY† on all balances if qualifications are not met in Kasasa Cash or Kasasa Cash Back
- No monthly maintenance fee
- No minimum balance to earn rewards
- Free online banking
- Free mobile banking
- Free e-statements
- No minimum deposit to open
- Optional overdraft protection
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back rewards automatically qualifies you for the highest Kasasa Saver rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 ACH/direct deposit of $500 or more
- At least 12 debit card purchases of $5 or more
- Be enrolled in and agree to receive e-statements
And if you don’t meet these qualifications, don’t worry — your accounts are still free.
Plus, you’ll still earn our base rate on your Kasasa Saver balance. And you can get right back to earning your full rewards the very next cycle that you qualify.
Kasasa, Kasasa Cash, Kasasa Cash Back and Kasasa Saver are trademarks of Kasasa, Ltd., registered in the U.S.A.
Looking for a simple checking solution? Try Basic Checking.
Our Basic Checking Account offers time-saving conveniences with a low minimum balance requirement.
- Low $200 minimum balance requirement††
- No ACH/direct deposit requirement
- Unlimited check writing
- No per-check charges
- Optional overdraft protection
- Visa® debit card that includes five, free in-network ATM withdrawals each month†††
- Free online banking
- Free mobile banking
- Free e-statements
I want to open a Basic Checking Account!
Access your money with our Visa debit card. Use it to make purchases or get cash back from merchants who accept Visa debit cards. Present your card to the merchant at the time of purchase. You’ll receive a receipt for your transaction, and the funds will be automatically deducted from your checking account. Plus, you can use your card for ATM transactions at any machine displaying the Cirrus®, CO-OP Network®, STAR® or Visa® logos.
Click here to use our surcharge-free ATM locator to find your nearest surcharge-free ATM. You can also search for surcharge-free ATMs through our mobile app. Members have access to nearly 30,000 surcharge-free ATMs.
Register for free activity alerts.
With near real-time Alerts from Central Credit Union powered by Visa, you can receive free updates on your Visa debit and credit card activity. After your Central Credit Union Visa debit or credit card has been used, you'll receive an alert through text message or email. If there is fraudulent activity, you can find out within minutes and act quickly to resolve the situation.
How you use the service is up to you. You can choose to receive alerts when your Visa card is used for purchases over a specified amount, online transactions, purchases outside the United States, and more. You can even customize the purchase amount threshold -- for example, setting it to only receive alerts for purchases above $50.
Select the delivery options that best meet your needs with text messages, emails, or both for extra security and convenience. Each alert contains important information, including the purchase amount, merchant name and location (if available), and the last four digits of the Visa card used to keep you best informed.
All this is free for Central Credit Union Visa credit and debit cardholders. Click here to sign up today.
Actual time to receive Alerts powered by Visa dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.
There's no need to deposit your paycheck in person. With direct deposit, your entire net paycheck is deposited into your account on payday and is available for use that same day. To sign up, complete a Direct Deposit Information And Authorization Form, and return it to your employer. Please also complete any additional forms required by your employer to begin this process.
With overdraft protection, you won’t have to worry about bouncing a check. Overdraft protection is available for qualified members with each of our checking options. You can apply for overdraft protection on your checking application.
Use our free online banking or mobile banking to conveniently manage your money. With either, you can check balances, verify deposits, transfer funds between accounts and financial institutions and more. With mobile banking, you can also deposit checks remotely using your mobile device.
Keep $5,000 or more in your combined Central Credit Union accounts, and enjoy special rewards as part of our Saver’s Advantage Club. Enjoy no minimum balance requirements on Share Accounts or checking accounts when you are a member of our Saver's Advantage Club. Some credit union fees are also waived for club members.
*Kasasa Cash: Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $5, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Click here for specific Monthly Qualification Cycle dates. Reward Information: When your Kasasa Cash account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Kasasa Cash account earn a dividend rate of 5.3660% resulting in an APY of 5.50%; and daily balances over $25,000 earn a dividend rate of 0.4989% on the portion of the daily balance over $25,000, resulting in a range from 5.50% to 1.50% APY depending on the account's daily balance. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash and Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.0499% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 5/13/24. APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) is required to meet some of the account's qualifications. Limit of one account per taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact Member Services for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
**Kasasa Cash Back: Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $5, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Click here for specific Monthly Qualification Cycle dates. Reward Information: When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.50% cash back on up to a total of $200 debit card purchases that post and settle to the account during that cycle period. A maximum of $11 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Kasasa Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to Kasasa Cash and Kasasa Cash Back transactions via ATM; Kasasa Saver ATM transaction fees are not reimbursed nor refunded. When your Kasasa Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Kasasa Cash Back account on the last day of the current statement cycle. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) is required to meet some of the account's qualifications. Limit of one account per taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact Member Services for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
†Kasasa Saver: Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases less than $5, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. Click here for specific Monthly Qualification Cycle dates. Reward Information: When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $100,000 in your Kasasa Saver account earn an APY of 2.00% and daily balances over $100,000 earn a dividend rate of 0.4989% on the portion of the daily balance over $100,000, resulting in a range from 2.00% to 1.25% APY depending on the account's daily balance. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire daily balance in the Kasasa Saver account earns a dividend rate of 0.0499% resulting in an annual percentage yield of 0.05% APY. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 5/13/24. APY calculations are based on an assumed balance of $100,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments and other requirements apply. No minimum deposit is required to open the account. Enrollment in electronic services (e.g. online banking, e-statements) is required to meet some of the account's qualifications. Limit of one account per taxpayer identification number. There are no recurring monthly maintenance charges or fees to open or close this account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact Member Services for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.
††Basic Checking: If your balance drops below $200, you’ll be charged a monthly service fee. All minimum balance requirements and some fees are waived if you maintain a certain minimum balance in Central Credit Union Accounts under the same member number. Please see your Account Information Disclosure for additional information. ††Please see your Account Information Disclosure for fee information. The monthly charge is waived if you maintain a certain minimum balance in Central Credit Union accounts under the same member number.
Your savings are federally insured by the National Credit Union Administration, a U.S. Government agency.