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Christian Financial Credit Union Spending Accounts
Spend Your Way
A CFCU spending account is versatile and easy to use, with extra features and add-ons that make it exactly what you need.
Spending Account Comparison
What's Your Spending Style?
Monthly Fee
Minimum Balance
Digital Access
Electronic Statements
Online Bill Pay
Debit Card
Fee-Free ATM Access
Overdraft Protection
Eligibility Requirements
Rate
E-Checking
Our most popular spending account. This account offers online access with all the features included for no monthly fee.
None*
$0.00
Required*
Free
Yes – At nearly 30,000 Co-Op Network ATMs
Yes – $2 per transaction from a savings account, $28 fee for courtesy pay
0.00% APY†
Essential Checking
Designed for those who prefer to manage their accounts more traditionally.
$6.00
$0.00
Optional
$3.00/mo for up to 10 bill payments & $0.40 each thereafter
Yes – At nearly 30,000 Co-Op Network ATMs
Yes – 4 free overdrafts per month from a savings for free
0.00% APY†
HSA
Save pre-tax dollars to use on qualified medical expenses. Plus, your account can stay with you, even if you move employers!
None*
$0.00
Optional
HSA Specific Card
Yes – At nearly 30,000 Co-Op Network ATMs
0.50% APY†
*Member is required to have E-Statements in order to have no monthly fee. If a member has E-Checking and is not enrolled in E-Statements during a given monthly period, a monthly maintenance fee of $6.00 will be assessed for each month until re-enrolled in the E-Statements program. Business accounts are not eligible for E-Checking. Service charges apply. Please note that members over the age of 62 can be enrolled in either checking account and monthly fees will be waived. View our schedule of service charges.
**You must meet the following requirements to be eligible for an HSA – You are covered under a high-deductible health plan (HDHP on the first day of the month.) You have no other health coverage except what is permitted. You aren’t enrolled in Medicare. You can’t be claimed as a dependent on someone else’s tax return.
† APY = Annual Percentage Yield. All rates are subject to change without notice.
CFCU Spending Account Features
Get more from your spending account
Spending Account Related Products
Debit Card
Access anywhere – with more than 30,000 nationwide fee-free ATMs, and pay online with peace of mind.
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Reviews
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“I literally am always telling people how much happier I am at a credit union than a bank! They have great interest rates, and always work with me! Love my credit union.”
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“Easy access every time.”
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