In observance of Columbus Day we will be closed Monday, October 10th.


CheckingMinimum Deposit to OpenMinimum Balance to Earn DividendsATM Card AvailabilityVisa Debit Card AvailabilityOverdraft Privilege
Regular Checking $0 N/A Yes Yes Upon Approval
Pioneer Checking $1,000 $1,000 Yes Yes N/A
Fresh Start Checking $0 N/A

Upon approval/ Restrictions  apply

Upon approval/ Restrictions apply N/A
Future Leader Checking (ages 15-17) $0 N/A Yes Yes N/A
Business Checking $0 N/A Yes Yes Upon Approval


CCUFL does not charge an opening or monthly service fee for any of our checking accounts. We want our members to be confident in the security and convenience of their checking account.
All Checking Accounts include the following services free of charge:

  • Overdraft Protection from your Savings Account
  • E-Branch
  • E-Statements
  • Mobile Banking App
  • Access By Phone
  • Bill Payer
  • Direct Deposit
  • Cents-to-Savings
  • Coin Counter
  • Digital Wallet
  • Mobile Deposit

Regular Checking

The Regular Checking account is a full-service account that is great for our members who want to keep track of their finances with ease.  A Regular Checking account is available to any member 18 years of age or older.

Find out more about Checking Accounts and learn how to Create a Budget.


Pioneer Checking

The Pioneer Checking account is for members who want to earn dividends on their checking account balance. A minimum required balance of $1,000 allows members to earn additional dividends on their money. The Pioneer account is flexible because it works like a savings account and a checking account.  

Fresh Start Checking

The Fresh Start Checking account is for members who need a second chance.  The Fresh Start Checking account gives members experience in financial responsibility and helps build a positive relationship with the credit union. 


Future Leader Checking

The Future Leader Checking is for our members ages 15-17. This account teaches teenagers the importance of financial responsibility by putting financial decisions in their hands and allowing them to create positive financial experiences.  CCUFL will also provide resources and prizes to teenagers when they make deposits.  A parent or guardian must be a joint on the Future Leader account.  Learn more about youth accounts.


Business Checking

The Business Checking is for members who have a business.  This account is perfect for small business owners to keep track of their business finances apart from their personal accounts. Business account members must maintain an active, personal Regular Share Account with Central.

Central has partnered with Elavon to provide our business members with merchant services and easy payment processing. For more information, please visit our business merchant services page.


Important Overdraft Service Information

The majority of our members do not overdraw their accounts and incur fees, however, life doesn’t always go according to plan, and overdrafts do sometimes occur. Without overdraft coverage, your ATM and one-time debit card transactions may be declined if you attempt to make a transaction without sufficient funds.

the e-learning portal
Learn more about Preventing Overdraft Fees.

Opt-In now by email at  Please include your name and contact phone number in your email. 

Serving Members Since 1962

Retargeting Tag lift tracking conversion tracking