Checking Accounts

At Central Credit Union Of Illinois, our checking accounts offer special ways to save you valuable time and money while making the task of managing your daily finances more hassle-free than ever.

Checking Account Options

  Direct Checking Basic Checking Checking Plus
Minimum Balance Required None $200* $1,000**
Interest Earning No No Yes
Unlimited Check Writing Yes Yes Yes
Per Check Charges No No No
Direct Deposit Required Optional Optional
Debit Card Access Included with up to five free ATM withdrawals per month Optional for a small monthly fee with up to five free ATM withdrawals per month† Included with up to five free ATM withdrawals per month
Overdraft Protection Optional Optional Optional
Online Banking Free Free Free
Mobile Banking Free Free Free
Online Bill Payment Free Free Free

*If your balance drops below $200, you’ll be charged a monthly service fee. All minimum balance requirements and some fees are waived if you maintain a certain minimum balance in Central Credit Union accounts under the same member number. Please see the Account Information Disclosure for additional information. **If your balance drops below $1,000, you’ll be charged a monthly service fee. All minimum balance requirements and some fees are waived if you maintain a certain minimum balance in Central Credit Union accounts under the same member number. Please see the Account Information Disclosure for additional information. †Please see the Account Information Disclosure for fee information. The monthly charge is waived if you maintain a certain minimum balance in Central Credit Union accounts under the same member number.

 

Access your money with our Visa debit card. Use it to make purchases or get cash back from merchants who accept Visa debit cards. Present your card to the merchant at the time of purchase. You’ll receive a receipt for your transaction, and the funds will be automatically deducted from your checking account. Plus, you can use your card for ATM transactions at any machine displaying the Cirrus®, CO-OP Network®, STAR® or Visa® logos.

Register for free activity alerts.

With near real-time Alerts from Central Credit Union powered by Visa, you can receive free updates on your Visa debit and credit card activity. After your Central Credit Union Visa debit or credit card has been used, you'll receive an alert through text message or email. If there is fraudulent activity, you can find out within minutes and act quickly to resolve the situation.

How you use the service is up to you. You can choose to receive alerts when your Visa card is used for purchases over a specified amount, online transactions, purchases outside the United States, and more. You can even customize the purchase amount threshold -- for example, setting it to only receive alerts for purchases above $50.

Select the delivery options that best meet your needs with text messages, emails, or both for extra security and convenience. Each alert contains important information, including the purchase amount, merchant name and location (if available), and the last four digits of the Visa card used to keep you best informed.

All this is free for Central Credit Union Visa credit and debit cardholders. Click here to sign up today.

Actual time to receive Alerts powered by Visa dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.

There's no need to deposit your paycheck in person. With direct deposit, your entire net paycheck is deposited into your account on payday and is available for use that same day. Or, if you prefer, have a portion of your paycheck deposited each pay period with payroll deduction. For more information, click here, or see your Human Resources Department.

With overdraft protection, you won’t have to worry about bouncing a check. Overdraft protection is available for qualified members with each of our checking options. You can apply for overdraft protection on your checking application.

Use Central At Home, our free online banking service, or free mobile banking to conveniently manage your money. With either, you can check balances, verify deposits, transfer funds and more.

Keep $5,000 or more in your combined Central Credit Union accounts, and enjoy special rewards as part of our Saver’s Advantage Club. Enjoy no minimum balance requirements on Share Accounts or checking accounts when you are a member of our Saver's Advantage Club. Some credit union fees are also waived for club members.

Use our Checking Account Switch Kit to make moving your checking account to Central Credit Union as easy as possible.

Your savings are federally insured by the National Credit Union Administration, a U.S. Government agency.