Personal Checking

Upgrade to a Checking Account Built for You

At The Credit Union for All, we believe every member deserves a credit union checking account that’s simple, accessible, and most importantly, free from unnecessary fees. Whether you want straightforward essentials or extra perks, you’ll find the right fit here, supported by local service and a commitment to people over profits.

Personal Checking Options: Better Banking, No Hidden Fees

Money Market Accounts

Offers higher yield than a regular checking, giving you greater growth potential for higher balances with check-writing ability and easy transfers.

Interest-Bearing Checking

Lets you earn interest on your balance while enjoying all the convenience of standard checking.

Student Checking

Built for students, this account features flexible access, digital tools, and zero monthly maintenance fees.

Business Checking

Created to meet the needs of businesses, this account delivers robust transaction capabilities and tools to streamline expense management.

Simply Checking

Streamlined for those who want only the essentials—a no-fuss, no-excess-fee account for managing daily banking needs.

Platinum Checking

Packed with premium features for those seeking added value and exclusive perks.

50-Plus Checking

Tailored for members age 50 and up, providing extra benefits and flexible access designed for experienced account holders.

Checking Lite

A low-cost account with essential features, perfect for members who want basic banking with fewer frills.

Cash Rewards

Lets you earn cash back on everyday purchases made with your debit card, rewarding you for your regular spending.

Basic Checking

A classic checking account designed for everyday use, offering simple access to your money without unnecessary fees.

Feature	Secure Checking	Cash Rewards	Platinum Checking	Simply Checking	Checking Lite
Secure Checking Upgrade	✅	✅	✅	✅	✅
IDProtect Service	✅	~	~	~	~
Cell Phone Protection	✅	~	~	~	~
Free Online Banking	✅	✅	✅	✅	✅
Unlimited Withdrawals	✅	✅	✅	✅	✅
No Monthly Fees	$4.95	✅	✅	✅	$5 if no direct deposit
No Minimum Balance	✅	✅	$1,000	✅	$10

How It Works: Opening Your New Credit Union Checking Account

1. Gather What You Need

Before you begin, make sure you have: a current government-issued photo ID, your social security number, proof of address, and the minimum opening deposit for your chosen account.

2. Complete Your Application

Contact us online or stop by our office and our friendly local team will walk you through the application in just a few minutes.

3. Fund Your Account and Start Banking

Make your opening deposit using a transfer, check, or cash. Once your account is funded and your information is verified, you’ll receive immediate access to online and mobile banking, plus your free debit card.

Flexible Deposit & Payment Tools

Take advantage of direct deposit and enjoy innovative tools to make managing your account effortless:

Remote Deposit Capture: Deposit checks from anywhere using your mobile device.
Mobile Wallet: Tap and pay with ease—securely manage your cards in your digital wallet.
Debit by Design: Customize your debit card to match your personality and lifestyle.

Overdraft Courtesy:
Peace of Mind When
You Need It Most

What Is Overdraft Courtesy Protection?

Overdraft Courtesy Protection is a discretionary service offered to eligible members, designed to help you avoid the inconvenience of declined transactions when your funds run short.

How Does Overdraft Courtesy Work?

We may cover your overdrafts up to $500 for checks, checking transactions, and automatic bill payments. Please note: We charge a fee of up to $40 for each payment we cover on your behalf. Authorization is not guaranteed for any particular transaction.

What Else Should I Know?

Overdraft Courtesy does not apply to everyday debit card transactions unless you opt in. Overdraft Courtesy is not guaranteed, but we encourage keeping track of account activity and sign up for balance alerts whenever possible.

Cash Rewards
Requirements

Do you keep excess funds in your checking account?

Convert your checking account to Cash Rewards and earn massive rewards on your checking account balance, up to $25,000.

Cash Rewards Requirements:

In order to earn your increase interest, you simply need to meet these easy terms and conditions:
– Post a minimum of $300 in debit card transations each month (signature or PIN, both count)
– Sign up for FREE online banking and e-statements
– Receive a total of at least $300 in direct deposits every month
– Make at least three payments totaling at least $300 to third parties with free online bill pay*
– Personal accounts only (no business accounts, trusts or estate accounts, etc.)
– Only one Cash Rewards account per household.

What if I don’t meet the requirements?

No worries – if you don’t meet the terms and conditions this month, you’re still in the program and you can try again next month. You’ll still earn the interest-bearing checking account dividend rate.

*After 90 days of inactivity in the online bill pay system, your account will be assessed a fee of $7.