[{COMPARISON}] Checking Comparison

Rates are accurate as of the 11/24/2022 dividend declaration date.    

Account Profile

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.

Minimum Opening Balance

$25.00

$25.00

$25.00

Earns Dividends

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

Monthly Service Fee

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

Minimum Daily Balance Requirement

No

No

No

Overdraft Protection

Yes

Yes

No

Eclipse Checking

Z-Checking

Fresh Start

Account Profile

Feature rich account for easy and convenient money management.

Minimum Opening Balance

$25.00

Earns Dividends

Nominal Interest Rate earned on balances above $2,000.00

Monthly Service Fee

Service Fee FREE Option1 -or- $7.00/mo Option

Minimum Daily Balance Requirement

No

Overdraft Protection

Yes

More Details    |    Get Started
Account Profile

High interest rate, ATM fee refunds, and lots of great features to choose from at no additional cost.

Minimum Opening Balance

$25.00

Earns Dividends

1.25% APY*
(up to $25,000.00 | 0.30% APY* on that which exceeds $25,000.00)
See qualifying details

Monthly Service Fee

Service Fee FREE when requirements met2

Minimum Daily Balance Requirement

No

Overdraft Protection

Yes

More Details    |    Get Started
Account Profile

For those who need a second chance at managing finances.

Minimum Opening Balance

$25.00

Earns Dividends

No

Monthly Service Fee

$10.00 with Direct Deposit
$15.00 without Direct Deposit

Minimum Daily Balance Requirement

No

Overdraft Protection

No

Minimum Daily Balance Requirement

No

Overdraft Protection

No

More Details    |    Get Started

[{Add-ons}]Additional Features (no extra cost to add)

(Touch & Drag Each Icon For Information)


[{FAQ}]FAQ


[{RESOURCES}]Resources:

  1. Report Lost Debit Card

  2. Order First Checks = Stop by or Contact CFFCU for your first order.

  3. Re-Order Checks = Note: Please contact the CFFCU if ordering through our new check issuer, Main Street, for first time.

  4. Money Management

  5. Mobile & Email Alerts (You define criteria that triggers an alert)

  6. Non-Profit & School Association Service-Fee FREE Accounts

  7. Discretionary overdraft privilege disclosure

 

* APY=Annual Percentage Yield. $2,000 average daily balance is required to earn monthly dividends for the Eclipse 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 Eclipse 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 Eclipse 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 Eclipse Checking Account and will be subject to the Eclipse 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.