[{COMPARISON}] Checking Comparison
Feature rich account for easy and convenient money management.
High interest rate, ATM fee refunds, and lots of great features to choose from at no additional cost.
For those who need a second chance at managing finances.
$25.00
$25.00
$25.00
Nominal Interest Rate earned on balances above $2,000.00
5.11% APY*
(up to $25,000.00 | 0.50% APY* on that which exceeds $25,000.00)
See qualifying details
No
Service Fee FREE Option1
-or- $7.00/mo Option
Service Fee FREE
when requirements met2
$10.00 with Direct Deposit
$15.00 without Direct Deposit
No
No
No
Yes
Yes
No
Advantage Plus
Z-Checking
Fresh Start
Feature rich account for easy and convenient money management.
$25.00
Nominal Interest Rate earned on balances above $2,000.00
Service Fee FREE Option1 -or- $7.00/mo Option
No
Yes
High interest rate, ATM fee refunds, and lots of great features to choose from at no additional cost.
$25.00
1.25% APY*
(up to $25,000.00 | 0.30% APY* on that which exceeds $25,000.00)
See qualifying details
Service Fee FREE when requirements met2
No
Yes
For those who need a second chance at managing finances.
$25.00
No
$10.00 with Direct Deposit
$15.00 without Direct Deposit
No
No
No
No
[{Add-ons}]Additional Features (no extra cost to add)
(Touch & Drag Each Icon For Information)
[{FAQ}]FAQ
[{RESOURCES}]Resources:
Order First Checks = Stop by or Contact CFFCU for your first order.
Re-Order Checks = Note: Please contact the CFFCU if ordering through our new check issuer, Main Street, for first time.
Mobile & Email Alerts (You define criteria that triggers an alert)
* APY=Annual Percentage Yield. $2,000 average daily balance is required to earn monthly dividends for the Advantage Plus Checking Account. For Z-Checking, all of the following monthly criteria are required to earn a higher dividend rate and ATM fee refunds up to $15/month: Logging into online or mobile banking at least one time each month, making 12 signature-based transactions with your debit card accumulating to $100 or more each month, setting up direct deposit or an ACH totaling $100 or more each month, and enrollment in e-statements. Rates, terms and conditions are subject to change without notice.
{{1}} A $7.00/month fee will be incurred on Advantage Plus for months where the monthly criteria to waive the maintenance fee is not met. For maintenance fee free checking you must meet any one of the following criteria: e-Statements & Direct Deposit or any ACH deposit, e-Statements & maintain a daily balance of $1,000, e-Statements & a mortgage or home equity loan with CFFCU, or you are either over 55 years of age or between the ages of 14–21 years old. $25 is required to open and establish an Advantage Plus Checking Account or a Fresh Start Account. Contact a Financial Service Representative for additional account information.
{{2}} To maintain a monthly service fee free Z-Checking Account, account owners agree to maintain e-statements and either monthly direct deposit or ACH deposit. Accounts that do not meet these requirements will be converted to an Advantage Plus Checking Account and will be subject to the Advantage Plus Checking Account rates, fees and terms. $25 is required to open and establish a Z-Checking Account. Contact a Financial Service Representative for additional account information.
{{3}} Our mobile banking app is free, but standard rates and fees may apply from your wireless carrier. App Store is a service mark of Apple Inc. Android is a trademark of Google Inc. PLEASE NOTE: Mobile Banking is only available to Cy-Fair Federal Credit Union members who enroll in Online Banking.