To keep members and staff as safe as possible, CMCU lobbies will be closed effective November 23rd, 2020.
Click here to learn how you can continue to conduct your financial business with CMCU.

Get a Checking Account with a $210* Bonus!

Personal checking accounts bundled with convenient services

Convenience is a necessity in today’s hectic world. We're here to help by offering checking accounts that meet your unique needs. And for a limited time, you'll be able to get a monthly bonus if you open and use your new personal CMCU checking account!

  • Account must be opened between May 4, 2020 and May 31, 2020. You'll get your first $35 monthly bonus on May 31, 2020.
  • Make 8 qualifying transactions for the following 5 months and you'll receive a $35 monthly bonus at the end of each qualifying month - total of up to $210!
  • Only qualifying transactions* count towards the 8 total transactions for the month.
  • Continue to use your CMCU personal checking account for everyday use and you'll see the benefits start to add up!
Open a checking account and get a cash bonus

*Qualifying transactions include: check withdrawal and/or deposit, cash withdrawal and/or deposit, direct deposit (payroll, Social Security, etc.), debit card transactions, online transactions, mobile deposit, transfer to a loan or savings account (except Save The Change account transfers), ACH transactions, Bill Pay or Biller Direct, ATM Transactions, auto-transfers. Transactions that DO NOT qualify towards the 8 per month: Dividend deposit, fee withdrawal, Save The Change transfer.
Limit one per social security number within the promotion time period.



  • 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

Which account is 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.

Applications if you're NEW to CMCU

If you're new to CMCU, you can apply totally online or at any branch location.

  Apply Online --OR-- Call: (888) 330-8482

Applications for current CMCU members

If you already have an account with CMCU, you can apply totally online in minutes through your internet banking or mobile app account. You can also apply at any branch location.
  DIGITAL BANKING INFO --OR-- Call: (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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