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 DIGITAL 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 Deposit: Free
- Ready Reserve (annual fee): $20
- Safe Deposit Box Discount5: No
- Gift Card Activation Fee: Yes
- 1st Box of Checks Free6: 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 Deposit: Free*
- Ready Reserve (annual fee): Free
- Safe Deposit Box Discount5: Yes
- Gift Card Activation Fee: Yes
- 1st Box of Checks Free6: 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 Deposit: Free*
- Ready Reserve (annual fee): Free
- Safe Deposit Box Discount: No
- Gift Card Activation Fee: No
- 1st Box of Checks Free6: No
(at account opening)
* Data Carrier Rates may apply
1. Dividends are calculated daily and compounded monthly. Click here to view current rates.
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. Reduce fee $5 annually if enrolled for auto payment.
6. 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 any of our branches!
Purchase Alerts
Purchase Alerts from CMCU powered by Visa help you reduce fraud and monitor your spending anytime, anywhere. With near real-time alerts, you can receive updates on your Visa card activity through text messages and email. This allows you to act quickly to reduce fraud and monitor your account – wherever you are. The unique service is available free for CMCU Visa cardholders! To sign up for Purchase Alerts from CMCU, simply click on “Check Eligibility” within the Visa Purchase Alerts page.
*Actual time to receive Alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.
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
