[{Details}]
Z-Checking
Enjoy a higher dividend rate and more convenient ATM access to your money as a result of making use of everyday services like: making purchases with your debit card, having direct deposit and managing your account with online or mobile banking.
[{Features}]Special Earned Rewards
on balances up to $25,000
(0.50% on remaining balances above $25,000)
up to $15/month1
from Non-CFFCU ATMs
See ‘Monthly Qualifications’ below. Rates are accurate as of the 3/01/2023 dividend declaration date.
The special APY is a variable rate that may change based on economic factors and the current rate environment.
Free Features Include
+ No Monthly Service Fee!*
[{Requirements}]3 SIMPLE QUALIFICATIONS
Earn higher dividends & receive ATM refunds for every month that you meet these requirements:
DIRECT DEPOSIT or ACH
into your account each month
ONLINE or MOBILE BANKING
login at least 1x per month
DEBIT CARD PURCHASES
12 posted transactions per month
What if I do not meet the qualifications one month?
The account will default to a minimum rate of .01% and ATM fees incurred will not be refunded for the specific month you did not meet the requirements.
You return to earning the higher interest rate and ATM fee refunds the next month you qualify.
REQUIRED TO OPEN ACCOUNT
1) Minimum opening balance of $25
2) Set up Direct Deposit or ACH deposit
(minimum recurrence: 1x per month)
3) Enroll in e-statements
* 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.
Open a Z-Checking Account Today!
or stop by one of our locations
MORE ABOUT Z-CHECKING
Enjoy this whimsical video that dives into various
details related to our Z-Checking Accounts.
Video Length: 5:33 (more in-depth details start at 1:55 mark)
FAQs
Resources:
Mobile & Email Alerts (Select Notification Alerts)
Re-Order Checks = Note: Please contact CFFCU if ordering through our new check issuer, Main Street, for first time.
* 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 may be converted to an Advantage Plus Checking Account and will be subject to the Advantage Plus Checking Account rates, fees and terms.
1 - The special APY (Annual Percentage Yield) presented is a variable rate that changes based on economic factors and the current rate environment. The special rate is applied to balance amounts up to $25,000 when the specific requirements mentioned are met each month. Balances exceeding the first $25,000 will earn the APY stated in our rates for remaining balances above $25,000. The current minimum rate of 0.01% will be earned on minimum balance requirements for months when required criteria is not met. 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 posted each month, setting up direct deposit or an ACH totaling $100 or more each month, and enrollment in e-statements. $25 minimum balance required to open account. If requirements of e-Statements and direct deposit / ACH are not met, a $7/month service fee is applied until requirement is met. Fees may reduce earnings. Rates, terms and conditions are subject to change without notice. Federally insured by the NCUA.
2 - Our 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 or have previously in CULink@Home Online Banking.