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. Whether you're more interested in earning dividends on your checking account or the most basic account, we're here to help provide the right solution to your financial 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?


A great start if you're 10-17 years old and want your first taste of freedom.

  • Pick any checking account
  • Get your parent or guardian to sign on as a joint holder
  • Get your free debit card instantly at any branch


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.

Get Started!

Apply online

Apply Online

New Members: Complete an application online.


Current Members: Apply in Digital Banking.


Visit a local CMCU branch

Local Branch

Central Minnesota Credit Union has 21 branches to serve you as well as access to 24,000 ATMs across the United States with MoneyPass.

View locations

Video chat with a CMCU team member

Video Banking

Talk to a CMCU team member virtually face-to-face. Learn More
Monday - Thursday: 8 AM - 5 PM
Friday: 8 AM - 6 PM
Saturday: 8 AM - 12 PM

Start Video CALL

Call us on the phone


Contact Center
Monday - Thursday: 8 AM - 6 PM
Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM

(888) 330-8482

Helpful Additions for your Checking Account

Digital Banking

Digital Banking

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

Learn More
Save the change account

Save the Change

Round up your debit card purchases and build up your savings for future expenses.

Learn More
Overdraft Protection

Overdraft Protection

Safeguard yourself against overdraft fees by adding this perk to your checking account.

Ready Reserve

Ready Reserve

Earn higher dividends while using this to draw against if you go over your checking balance.

Apply Online


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


Not a Member? Join us today!

  •  Wide variety of products
  • 21 convenient branch locations.
  •  Online and mobile banking
  •  24,000 ATM locations nationwide
  •  Award-winning institution
  •  Low interest rates on loans
  •  High interest rates on savings
  •  Free checking

become a member

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