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We offer a variety of checking options to meet the needs of every member.

Common Checking

Convenient checking with a low monthly service fee that's easy to eliminate!

Choose to make monthly fees disappear with Common Checking – a convenient account that offers plenty of free services and access to surcharge-free ATMs.

Reduce the $4.00 fee by doing activities that make banking easier – including using your debit card and receiving e-statements. Or get rid of the fee entirely as long as you maintain a balance of $10,000.00 or more.

Low $4.00 monthly service fee
Easily reduce or eliminate your fee
No per-check charges
Access to surcharge-free ATMs
Free Visa® Debit Card
Free online banking and bill pay
Free mobile banking
Free e-statements
No minimum opening deposit required

Open An Account

USA Patriot Act - Customer/Member Identification Program

"To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents."

Make Your Monthly Fee Disappear!

When you do the following transactions and activities in your Common Checking Account during each Monthly Qualification Cycle, your monthly service fee of $4.00 will be reduced as follows until the fee is retired for that corresponding Statement Cycle:

$0.25 for each debit card purchase greater than $10 that posts and settles
$2.00 if you are enrolled in and agree to receive e-statements
$4.00 if you maintain a minimum daily account balance of $10,000.00

Transactions and activities may take one (1) or more days from the date transaction occurred to post and settle to the account.

Want a free account that earns rewards for doing similar activities? See our free Ultimate Checking Accounts!

Common Checking Account. To open a Common Checking, you must first open a regular share membership savings account. Common Checking is a checking account with no minimum balance with the ability to reduce and retire the account's monthly service fee by meeting minimum qualifications during the account's Monthly Qualification Cycle. When you do the following transactions and activities in your Common Checking account during each Monthly Qualification Cycle, your monthly service fee of $4.00 will be reduced as follows until the fee is retired for that corresponding Statement Cycle: $0.25 for each PIN-based and/or signature-based debit card purchase greater than $10.00 that posts and settles. $2.00 if you are enrolled in and agree to receive e-statements. The $4.00 fee will be reduced to $0.00 if your choice checking has a balance of $10,000.00.

Ultimate Cash Back

Free checking that pays you cashback for everyday debit card purchases. Plus, a whole lot more!

Welcome to free checking that pays you for a change. Ultimate Cash Back pays 2.50% cashback on qualifying debit card purchases* (up to $7.50 per month!). Which means you'll have a little left over to spend, save, or squander.

To sweeten the deal, we'll also refund your ATM fees nationwide* – so you don't pay to access your own money. And it's easy to earn your rewards. Simply do a few things that make account management much easier.

Free checking that pays you 2.50% cashback on everyday debit card purchases of at least $10*
- No category restrictions on purchases
- Cashback earned on up to $300 in purchases monthly
- Earn up to $7.50 cashback per month
Get refunds for ATM fees nationwide*
Regular Shares Savings Account required for all CCCU accounts
Links to free Ultimate Saver Savings Account
- Transfer Ultimate Cash Back rewards for automatic savings
No minimum balance is required to earn rewards
No monthly service charge
Access to surcharge-free ATMs
Free Mastercard Visa® Debit Card
Free online banking and bill pay
Free mobile banking
Free e-statements
No minimum opening deposit

Open An Account

Earning Your Rewards is Easy

To earn your rewards, simply do the following activities, and transactions in your Ultimate Cash Back Account each monthly qualification cycle:

Have at least 12 debit card purchases over $10.00 post and settle
Be enrolled and receive an e-statement notice
Be enrolled and log into online banking
Have at least 1 automatic payment, ACH debit or credit, or Remote Deposit post and settle

It's that simple! And if you don't qualify, your account is still free. You can get back to earning your rewards during the next monthly qualification cycle.

*Must open a Regular Share Account with a minimum of $5.00. When monthly qualifications are met, you receive 2.50% cash back on debit card purchases that post to and settle account during the monthly qualification cycle up to a total cash back of $7.50 per monthly qualification cycle. Qualifying transactions must post to and settle to the account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. Ultimate Cash Back rewards will be credited to your Ultimate Saver account on the last day of the monthly statement cycle. Domestic ATM fees incurred during the qualification cycle will be reimbursed if qualifications are met within the monthly qualification cycle. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Ultimate Cash

Get on board with free checking that pays you in really high dividends. Free Ultimate Cash checking rates are so high they make the Piney Woods look like Lincoln logs.

All you have to do are things that make banking easier anyway, like banking online and signing up for e-statements. We'll even refund your ATM fees nationwide.*** So no matter what neck of the woods you're in, you can access your money.

Free checking that pays really high dividends
- Earn 2.75% APY** on balances up to $25,000.00
- Earn 2.75%-0.76% APY** on balances over $25,000.00 depending on the balance in the account
- Earn 0.01% APY** if qualifications aren't met
Get refunds for ATM fees nationwide***
Regular Shares Account required for all CommonCents Credit Union accounts
Links to free Ultimate Saver Savings Account
- Transfer Ultimate Cash rewards for automatic savings
No minimum balance is required to earn rewards
No monthly service charge
Access to surcharge-free ATMs
Free Mastercard® Debit Card
Free online banking and bill pay
Free mobile banking
Free e-statements
No minimum opening deposit

Open An Account

Earning Your Rewards is Easy!

To earn your rewards, simply do the following activities and transactions in your Ultimate Cash account each monthly qualification cycle:

Have at least 12 debit card purchases over $10.00 post and settle
Be enrolled and receive an e-statement notice
Be enrolled and log into online banking
Have at least 1 automatic payment, ACH debit or credit, or Remote Deposit post and settle

That's it! Easy. And no worries if you don't meet the qualifications. Your account is still free and you still earn our base dividend rate. You can return to earning your full rewards in the very next monthly qualification cycle!

***APY=Annual Percentage Yield. Rates are accurate as of 1/1/2021. Rates may change after the account is opened. Must open a Regular Share Account with a minimum of $5.00. For Ultimate Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 3.00%; and (3) balances over $25,000 earn 0.20% dividend rate on the portion of the balance over $25,000, resulting in 3.00% - 0.76% APY depending on the balance. If qualifications are not met on Ultimate Cash all balances earn 0.01% APY. Qualifying transactions must post to and settle the Ultimate Cash account during the monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning the first day of the current statement cycle through the close of the current statement cycle. The advertised Ultimate Cash APY is based on compounding interest. Dividend earned in Ultimate Cash is automatically transferred to Ultimate Saver each statement cycle and does not compound. The actual dividend amount paid may be less than the advertised Ultimate Cash APY. The Ultimate Saver APYs may be less than Ultimate Cash APYs. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.

Share Draft Checking

A basic low-maintenance checking account that is easy to manage, no matter where you are!

The Basics

This basic checking account is for account holders over 55 years of age and those account holders who already have an active Ultimate Account.

Regular Checking is easy to open and even easier to maintain. Depend on anytime account access with free services, like online and mobile banking.

This account comes with a free Visa® Debit Card for purchasing power with a world-recognized brand. And there are no monthly maintenance fees or per-check charges you might find at the megabanks.