Personal Checking Accounts

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.

Checking accounts for all lifestyles


  • 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 are 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-- Find a Branch

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.

Visa® cashRewards Credit Card

You can have even more purchasing power when you pair your checking account with a Visa cashRewards credit card!

  • 1% cash back on all purchases
  • Automatic payouts once you reach $25
  • Connect with your digital banking account and mobile app

CMCU Visa cashRewards credit card

Digital Banking

Digital Banking

Optimize your business checking account with our digital banking platform and add-on services.

Learn More

Cash back does not include ATM transactions.


Check out all of your other options you can utilize with CMCU's suite of business products and services! Our business team will work with you individually to ensure you're on track to reaching your business goals.

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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