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.
Current Rates Youth Checking online services Reorder your checksChecking Comparison
FREE CHECKING
- Min Balance: $0
- Earns Dividends1: No
- Number of Check Clearings2: Unlimited
- Debit Card: Optional
- ATM Surcharge Reimbursement3: No
(at non-CMCU ATMs) - Internet Banking or Mobile App4: Free and Optional
- eStatements4: Free and Optional
- Mobile Deposit5: $1.00
- Ready Reserve (annual fee): $20
- Safe Deposit Box Discount6: No
- Gift Card Activation Fee: Yes
- 1st Box of Checks Free7: No
(at account opening)
RELATIONSHIP CHECKING
- Min Balance: $0
- Earns Dividends1: YES
- Number of Check Clearings2: 15
- Debit Card: Optional
- ATM Surcharge Reimbursement3: No
(at non-CMCU ATMs) - Internet Banking or Mobile App4: Free and Optional
- eStatements4: Free and Optional
- Mobile Deposit5: $0.50
- Ready Reserve (annual fee): Free
- Safe Deposit Box Discount6: Yes
- Gift Card Activation Fee: Yes
- 1st Box of Checks Free7: Yes
(at account opening)
e-Checking
- Min Balance: $0
- Earns Dividends1: YES
- Number of Check Clearings2: 4
- Debit Card4: Required
- ATM Surcharge Reimbursement3: Up to $12/month
(at non-CMCU ATMs) - Internet Banking or Mobile App4: Free and Required
- eStatements4: Free and Required
- Mobile Deposit5: Free
- Ready Reserve (annual fee): Free
- Safe Deposit Box Discount: No
- Gift Card Activation Fee: No
- 1st Box of Checks Free7: No
(at account opening)
1. Dividends are calculated daily and compounded monthly.
2. $0.10 per item fee for checks cleared in excess of stated amount. For the Relationship Checking account this fee will not apply if you maintain a $1,000.00 daily balance throughout the month.
3. Surcharge reimbursement waived if account requirements are not met.
4. $5 fee if not enrolled in eStatements, includes undeliverable eStatements or if account does not have a debit card.
5. Per check deposited.
6. Reduce fee $5 annually if enrolled for auto payment.
7. Central Minnesota Credit Union standard check style; other check styles available at member expense.
VISA® Debit Card
Use your VISA® Debit Card to access the money in your checking account without the hassle of writing a check!
Benefits
- Use the VISA® Debit Card anywhere the VISA® logo is displayed
- Make cash withdrawals from personal checking or savings accounts from any ATM
- Receive unlimited FREE transactions at CMCU ATM machines
- Get your card printed immediately at one of our instant issue locations!
Get Started
To get your new debit card instantly, just visit your nearest branch location.
Youth Checking Accounts
A great start if you’re 10-17 years old and want your first taste of financial freedom.
- Choose from one of our Checking Account Packages (we recommend the eChecking)
- Open the account with a parent or guardian's signature as joint account holder
- Get a free VISA® Debit Card instantly at any of our branches - including a selection of High School Logo Debit Cards
