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Checking Account

Checking With
Real Perks

Pick an account that keeps everyday banking simple and gives you more ways to earn benefits.

OPEN ACCOUNT
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Checking Bonus

Up to $100

Earn Up to $100 With New Checking

Get $50 once your direct deposits reach $500, and another $50 after you make six debit card purchases. Use code BONUS when you open online.

OPEN CHECKING

Find Your Checking Fit

iSelect Checking
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iSelect Checking

Start with no minimum balance and choose two perks for your day-to-day banking.

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Advantage Checking
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Advantage Checking

Maintain $2,500 and get cash back, ATM refunds, free checks, and monthly interest.

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AdvantagePlus Checking
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AdvantagePlus Checking

Keep a $10,000 balance and add select loan discounts to every checking perk.

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More Ways to Make Your Money Work

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Anywhere Access

Bank in the app, online, at 100,000+ fee-free ATMs, or at 5,000+ shared branches.

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Debit Card Rewards

Earn cash back and receive special offers on eligible everyday purchases.

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Referral Bonus

Refer a qualifying friend and you may each earn a $25 bonus.

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Deposit Protection

Your deposits are insured up to $500,000 through NCUA and ESI coverage.

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Member-Owned

CCCU earnings come back to members through better rates, fewer fees, and local support.

VIEW DEPOSIT RATES

Avoid Surprises With Flexible Overdraft Protection

Link savings, use a checking line of credit, or choose Courtesy Pay to help eligible transactions go through.

EXPLORE OVERDRAFT OPTIONS
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Switch Your Checking in 3 Simple Steps

Our free guide walks you through moving direct deposit, updating automatic payments, and closing your old account.

GET THE GUIDE

From attending classes on first-time home buying to securing an affordable auto loan, being a City & County member has made personal finance easy and accessible.

— Ann W, CCCU Member

Checking Account FAQs

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Open Your Account in Minutes

Apply online, visit a branch, or talk with our local team to get started.

GET STARTED FIND A BRANCH

New Checking Account
Up to $100 Cash Back: Earn $50 for one or more new ACH direct deposit(s) greater than or equal to $500 in the 60 calendar days from account opening (excludes digital wallet and income earned through self-employment or working an IRS-classified “Gig Economy” job). Earn $50 for making 6 total debit card transactions (excludes ATM usage and digital wallet transactions). Cash Back deposited to qualifying checking within 60 days of qualifying events. Offer valid only on new checking accounts (account owners/co-owners do not currently have, nor have had, a checking account at CCCU in the last 12 months). Accounts must be in good standing at time of qualification. Limited to one offer per household. Cash Back is considered a bonus and is reportable to IRS. APY = Annual Percentage Yield. APY from 0%-0.18% available dependent upon checking account options selected. Rates effective as of 07/01/2025, and subject to change. No minimum balance required to open a checking account. Minimum balance from $0-$10,000 to earn stated APY. Other conditions or restrictions may apply. Call for complete details. Offer subject to change.