Earn up to $225 with a new CMCU checking account!

Receive $100 at account opening and $25 per month for up to 5 months*!

$100 Account-Opening Bonus Requirements:

  • One offer per person; cannot have had a consumer checking account with CMCU in the previous 24 months
  • Must be 18 years or older
  • Debit card required

$25 Monthly Bonus Requirements:

  • Monthly ACH or direct deposit 
    Eight debit card purchase transactions per month
  • Member must be in good standing (no negative balance on any share account or loan throughout the month)
Open a checking account and get a cash bonus

*Does not apply to existing accounts. New checking account members only; cannot have had a checking account with CMCU in the past 24 months of account opening. Must be 18 years or older. Personal accounts only. One offer per social security number. Debit card required to receive bonus. Limited time offer.
Total bonus earnings up to $225.00. $100 bonus will deposit in account at account opening. To earn the $25 monthly deposit bonuses, member must meet the following criteria: Monthly ACH or direct deposit OR make eight qualifying debit card purchase transactions monthly to maintain "active checking" status (does not include ATM transactions), debit card on checking account, and member must be in good standing (no negative balance on any share account or loan throughout the month). Member can earn up to 5 monthly deposit bonuses totaling $125. $25 monthly bonus deposits begin the month after account opening and are deposited on the last day of the month after requirements are met. If requirements of offer are not met, CMCU reserves the right to reclaim the $100.00 account opening bonus.
Free Checking Annual Percentage Yield = 0.0%. Relationship Checking Annual Percentage Yield = 0.0% {Average Balance=$0.0 - $999.99}. eChecking Annual Percentage Yield = 0.10%. Rates subject to change without notice. All bonuses are reported on IRS Form 1099-INT. $5 minimum balance in Share account required to maintain membership. CMCU reserves the right to end the promotion at their discretion. Must use promo code CHECKING225 in-branch or online between December 1- December 31, 2021. Ask for details. Insured by NCUA.



  • No Minimum Balance
  • Free Mobile Deposit
  • Free Visa┬« debit card issued instantly at all branches
  • Free eStatements
  • Digital banking account with free Mobile App
  • Digital wallet service
  • Surcharge-free access to Moneypass┬« ATMs
  • Direct Deposit

Find the checking account that's right for you


Our most basic checking account for consumers.
  • Unlimited number of check clearings
  • Does not earn dividends
  • No strings attached


The perfect checking account for the tech-savvy person!
  • Earns Dividends - check rates
  • 4 free check clearings per month1
  • ATM surcharge reimbursements
    up to $12 per month2
  • Required debit card, digital banking, and eStatements3
  • Free Ready Reserve
  • Free Visa gift card activation


A traditional checking account that will earn
you money as you deposit more.
  • Earns Dividends
    (tiered levels) - check rates
  • 15 free check clearings per month1
  • Free Ready Reserve
  • Safe Deposit Box discount4
  • First box of checks is free5

1. $0.10 per item fee for checks cleared in excess of stated amount. For Relationship checking, this fee will not apply if you maintain a $1,000.00 daily balance throughout the month.
2. Eligibility for surcharge reimbursements only applies if account requirements are met (includes debit card, digital banking, and eStatements)
3. $5 monthly fee if account does not have a debit card or if account is not enrolled in eStatements through internet banking or mobile app (includes undeliverable eStatements).
4. Reduce fee $5 annually if enrolled for auto payment.
5. Central Minnesota Credit Union standard check style, other styles available at member's expense. Available only at account opening.

Get Started!

Apply online

Apply Online

New Members: Complete an application online.


Current Members: Apply in Digital Banking.


Visit a local CMCU branch

Local Branch

Central Minnesota Credit Union has 21 branches to serve you as well as access to 24,000 ATMs across the United States with MoneyPass.

View locations

Video chat with a CMCU team member

Video Banking

Talk to a CMCU team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM

Start Video CALL

Call us on the phone


Contact Center
Monday - Thursday: 8 AM - 6 PM
Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM

(888) 330-8482

Digital Banking & Services

Boost your checking account experience even more by signing up for a Digital Banking account. You'll be able to access your account through your desktop computer or mobile app with one login and one seamless experience.

  • View and manage CMCU accounts in one login.
  • Get access to additional services like online bill payments, eStatements, Card Swap, and free Mobile Deposit through the mobile app.
  • The Digital Banking platform is encrypted with the highest level of security available so your accounts are safe.


Digital Banking

Digital Banking

Optimize your checking account with our digital banking platform and digital services.

Learn More
Mobile App

Mobile App

Download the free CMCU mobile app to manage your funds on the go. Available for Android and Apple devices.

Learn More
Digital Services

Digital Services

Looking for more? CMCU has additional digital services such as Bill Pay, digital payments, eAlerts, eStatements, and more.

Learn More


Check out all of your other options you can utilize with CMCU's suite of products and services!

Contact Us

Submit a form online and our team will respond to your request in the same business day.

Reorder Checks

Need more paper checks? Click here to order a new box of checks online with Harland Clarke.

Switch Kit

If you're coming from another bank or credit union, we can help make the switching process easier.


Invest your money and watch it grow with a variety of savings accounts fit for you.
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