|Checking||Minimum Deposit to Open||Minimum Balance to Earn Dividends||ATM Card Availability||Visa Debit Card Availability||Overdraft Privilege|
|Regular Checking||$0||N/A||Yes||Yes||Upon Approval|
|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|
|Grand Central Checking (ages 55+)||$0||N/A||Yes||Yes||Upon Approval|
|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
- Mobile Banking App
- Access By Phone
- Bill Payer
- Direct Deposit
- CreataCard ($10 value, FREE for a limited time)
- Coin Counter
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.
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.
Grand Central Checking
The Grand Central Checking is for members age 55 and older. The account gives members perks such as free money orders, free Credit Union/Official Checks, and one free box of Grand Central checks per month (postage fees apply).
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. Learn more about Preventing Overdraft Fees.
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