debit cards

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 checks

Checking 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.

Card Images

Card Designs

Choose from a wide variety of personalized card designs that match your lifestyle.

 

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
Youth Checking
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