Free Checking with Real Perks

Say goodbye to fees and confusing rules. Pick the perks, features, and account that match how you bank.

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Choose Your Checking Adventure

Just like your favorite playlist, your checking account should be tailored to your taste. That's why we offer three unique checking solutions that fit your life.

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iSelect Checking

Customize Your Experience
  • No Minimum Balance
  • Free Mobile Deposit
  • Free Online Bill Pay
  • Select two: Debit Cash Back, ATM Refunds, Free Checks, or Monthly Interest
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Advantage Checking

Elevate Your Earnings
  • $2,500 Minimum Balance
  • Free Mobile Deposit
  • Free Online Bill Pay
  • All perks included: Debit Cash Back, ATM Refunds, Free Checks, and Monthly Interest
Open Advantage Checking
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AdvantagePlus Checking

Maximize Your Benefits
  • $10,000 Minimum Balance
  • All Advantage perks plus exclusive loan product discounts
  • The ultimate way to make your money work harder for you
Open AdvantagePlus Checking

Think Pink Checking Account Perks

When you open a City & County Credit Union checking account, you're unlocking a world of benefits designed to help you thrive.

Mobile

Seamless Access

Mobile app, online banking, 100,000+ free ATMs, and 5,000+ shared branches

Manage Your Account
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Debit Card

Debit Card Benefits

Earn cash back and access special offers at your favorite places

Debit Cash Back
Cashback Offers
Debit Card

Refer a Friend

You both get $25 when they open an account with direct deposit

Refer a Friend
Mobile

Doubled Security

Deposits insured up to $500,000 (NCUA and ESI combined)

Deposit Insurance
Member-Owned

Member-Owned

Profits go back to you through better rates and lower fees

Credit Union Difference
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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. 

Overdraft Transfers

Instead of going negative in your checking account, Overdraft Transfers 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 (800) 223-2801 to have overdraft transfers set up on your account.

 

Checking Line of Credit

Apply for a checking 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

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 may be selected at account opening.

If you already have a CCCU Checking account, call us at (800) 223-2801 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.

Switching Made Simple

Changing financial institutions doesn't have to be complicated. Download our free guide for step-by-step support to transfer direct deposits, move automatic payments, and close old accounts with ease.

Download The Guide
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Open Your Account in Minutes

Apply online, visit a branch, or chat with our team—it’s up to you. You’re in the driver’s seat.

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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.