Free accounts with perks & benefits.

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Tired of personal checking accounts that tie you down with minimums, fees, and special requirements? City & County Credit Union offers three checking solutions designed to make life easier and put you in control of your finances.

iSelect Checking

A simple account with free features that helps you earn more. 

  • No Minimum Balance
  • Free Mobile Deposit
  • Free Online Bill Pay

Select two free features:

Advantage Checking

The higher your balance, the more you earn. 

  • $2,500 Minimum Balance
  • Free Mobile Deposit
  • Free Online Bill Pay
  • Debit Cash Back
  • ATM Refunds
  • Free Checks
  • Monthly Interest


AdvantagePlus Checking

Earn the most rewards, discounts & benefits with a higher balance. 

  • $10,000 Minimum Balance
  • Free Mobile Deposit
  • Free Online Bill Pay
  • Debit Cash Back
  • ATM Refunds
  • Free Checks
  • Monthly Interest
  • Loan Product Discounts

Finding a new financial institution can feel like a huge to-do. It’s easy to become overwhelmed by the thought of moving all of your accounts, direct deposits, and automatic payments. But with the right support and guidance, changing financial institutions can be a smooth, straightforward, and rewarding process. Download this free guide to get started with step-by-step support and ease!

Account Protection Services

We know life happens. That’s why we provide overdraft options to help you avoid interruptions if you don’t have the necessary funds in your account. 

Instead of going negative in your checking account, Overdraft Protection allows you to cover your transaction with funds from your CCCU saving account, money market or checking line of credit. Get up to 6 free automatic transfers each month. Call us at (651) 225-2700 to have overdraft transfers set up on your account.

Apply for a City & County line of credit and avoid costly overdraft fees. In the event there isn't enough money in your checking account, your line of credit will automatically advance to cover overdrafts.

Courtesy Pay Coverage allows transactions to process even when funds are not available in your checking account - up to a certain limit. This means if you are trying to make a payment out of your checking account, but do not have enough funds, City & County will allow the transaction to go through for a standard overdraft fee of $35. Courtesy Pay Coverage must be selected at account opening.

If you already have a CCCU Checking account, call us at (651) 225-2700 to verify the Courtesy Pay Coverage status on your account. 

Learn more about Courtesy Pay Coverage to protect your account when you do not have sufficient funds.

Additional Perks

When you open a City & County Checking Account, you're getting more than just a better way to manage your money. You are also gaining access to membership perks & benefits that empower you to do more in all areas of life. 

Whether you like to visit a branch in person, bank by phone or are living life on the go traveling - we make it possible to access your money when & where you want - 24/7, seven days a week. With a City & County account, manage your money with our convenient services. 

Rewards aren't just for credit cards, it's for debit cards too! The more you use your City & County Debit Card, the more you can earn. 

  • Debit Cash Back – If you choose this feature as a part of your iSelect Account, you can earn rewards just for making purchases with your debit card. Each quarter, you'll receive cash back from qualifying purchases.
  • Cashback Offers - Get cash back offers from places you shop every day, from coffee shops to retail stores. These offers can be easily activated in the mobile app or online banking, and the money will show up in your account each month. All checking accounts qualify for Cashback Offers. 

Beyond account perks, you can earn even more just by sharing how much you love City & County Credit Union! Refer a friend or family member and you both can earn $25. 

Start sharing. Start earning. 

  1. Fill out this form
  2. Give it to a friend
  3. You and your friend will receive $25 when your friend opens a new checking account with direct deposit

Start spreading the love and enjoying the benefits of belonging to a not-for-profit financial cooperative.

New member must open a checking account and set up direct deposit within 6 months of being referred for new and current member to receive $25. The referral bonus will be deposited into each account within 30 days of opening a new CCCU Checking and the first direct deposit received. APY =Annual Percentage Yield. APY from 0%-0.25% available depending on checking product selected. No minimum balance required to open a checking account. Depending on checking product selected, minimum balance of $0-$10,000 to earn APY. Other conditions or restrictions may apply. Referral form must be presented at account opening. Referring member must be in good standing. Program details subject to change and cannot be combined with any other offer. New members only. Insured by NCUA.

Select two additional free features with iSelect Checking: Debit Cash Back, ATM refunds, free checks, or interest accrual. 

Debit Cash Back program subject to change without notice. Debit Cash Back is a free feature of Advantage and AdvantagePlus checking, but must be selected as an option of iSelect Checking. Age restrictions may apply for ATM/Debit Card. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt within 60 days of transaction. Up to two free boxes of checks per year. AdvantagePlus loan discount available on select non-real estate loans. Ask a representative for complete details. Insured by NCUA & ESI.