 Savings & Investments    Related Links  CheckingWhether you write a check or use the convenient Visa check card to pay for your purchases, you’ll have the power of one of the most affordable and versatile checking programs available today. We offer a free online Switch Kit to help you make move to CCF, click here. All CCF checking accounts feature:
Free Checking
|
| Minimum balance: | None |
| Monthly per check fee: | None |
| Check writing privileges: | Unlimited |
| Monthly service fee: | None |
| Statement fee: | $1 (waived by signing up for e-Statements) |
| Dividend earnings: | None |
Get Amp'd Checking (Ages 18-24) 
Tailored to the needs of young adults 18-24, this account is the best way to get your finances off on the right foot.
| Minimum balance: | None |
| Monthly per check fee: |
None |
| Check writing privileges: |
Unlimited |
| Monthly service fee: | None |
| Statement fee: | $1 (waived by signing up for e-Statements) |
| Dividend earnings: | None |
Get Amp'd members also receive 1 NSF fee waived per year, CCF will pay your first car payment*, 1 free box of checks per year and more! Click here for our very own Get Amp'd Twitter page.
*Up to $250. For first-time car purchase when financed through CCF. Other restrictions may apply.
Interest Checking
A low minimum daily balance lets you earn dividends. Click here to see current checking rates.
| Minimum balance: | $500 |
| Monthly per check fee: | None |
| Check writing privileges: | Unlimited |
| Monthly service fee: | $5 if account falls below minimum average balance |
| Statement fee: | $1 (waived by signing up for e-Statements) |
| Dividend earnings: | Monthly (based on tiered rates) |
Money Market Checking
Earn more with the Money Market Checking Account! This checking account is tiered so the larger your checking account balance, the more you earn in dividends. Click here to see current checking rates.
| Minimum balance: | $2,500 |
| Monthly per check fee: | None |
| Check writing privileges: | Unlimited |
| Monthly service fee: | $10 if account falls below minimum average daily balance |
| Statement fee: | $1 (waived by signing up for e-Statements) |
| Dividend earnings: | Monthly (based on tiered rates) |
Members with the Money Market Checking account receive the first box of checks for free (select styles only).
BOOM Checking
If you’re between the ages of 15-17, you’re eligible for our BOOM checking account. Not only will you be introduced to the privileges that come with writing checks, you also can enjoy the benefits of being a BOOM member.
| Minimum balance: | None |
| Monthly per check fee: | None |
| Check writing privileges: | Unlimited |
| Monthly service fee: | None |
| Statement fee: | $1 (waived by signing up for e-Statements) |
| Dividend earnings: |
None |
*BOOM checking account holders must have a parent or guardian as joint account holder.
Fresh Start Checking
Let CCF Give You a Second Chance with Fresh Start Checking! Are you one of the 40 million Americans in the ChexSystems database? Are you in need of a fresh start? Let CCF give you the second chance you deserve with a Fresh Start Checking account. This checking account is available to our members who have a previous record on ChexSystems. With this account, members are given a 2nd chance to make a good first impression.
You'll get all of the same benefits of our Basic Checking account - checks, online access, & ATM/Debit card usage. We believe in you, and we'll prove it. Maintain your Fresh Start Checking account for 12 months with positive account activity, and you will have the opportunity to graduate your account to our Basic Checking account.
*Restrictions apply.
Business Checking
Whether you are a small business owner looking for a simple, economical account or a business owner with more complex financial needs, CCF can help. We’ve created several different business checking accounts in order to tailor a program for your needs. If you need a business checking, you may be interested in our other business services to help strengthen your company.
This is our simple, economical account for business owners with a low number of monthly transactions.
| Opening deposit | $100 |
| Minimum balance: | None |
| Monthly per check fee: | First 100 checks are free, then only $.25 for each check cleared thereafter. |
| Electronic withdrawal fee: | The first 20 electronic withdrawals are free. Additional electronic withdrawals are $1.50 each. |
| Check deposit fee: | The first 75 checks are deposited for free. Each check deposited thereafter will be charged $.25. |
| Monthly service fee: | None |
| Statement fee: | $1 (waived by signing up for e-Statements) |
| Dividend earnings: | None |
Deluxe Business Checking
This is a dividend earning account for business owners that generally have fewer than 250 monthly transactions and maintain a moderate daily account balance.
| Opening Deposit | $100 |
| Minimum balance: | $5,000 |
| Monthly per check fee: | The first 250 checks cleared are free and then $.30 for each check cleared thereafter. |
| Electronic withdrawal fee: | Enjoy your first 50 electronic withdrawals for free. Each electronic withdrawal after 50 will be charged $2. |
| Check deposit fee: | First 250 checks deposited for free. Each check deposit thereafter is $.30. |
| Monthly service fee: | $15 if the account falls below the minimum required account balance of $5,000. |
| Statement fee: | $1 (waived by signing up for e-Statements) |
| Dividend earnings: | E-mail for current rate |
Business Analysis Checking
This account is designed for business owners requiring an unlimited transaction volume. The Business Analysis Checking account earns dividends based on tiered rates. Dividends are then used to offset monthly service charges.
| Opening deposit: | $100 |
| Minimum balance: | $2,500 required to earn dividends. Dividends are based on tiered rates. The more you save, the more you earn. |
| Monthly per check fee: | $.10 for each cleared check. |
| Electronic withdrawal fee: | $.10 for each electronic withdrawal. |
| Check deposit fee: | $1.25 for each visit where a check is deposited, plus $.08 for each check deposited. |
| Monthly service fee: | $10 – account earns dividends to offset the monthly fees. |
| Statement fee: | $1 (waived by signing up for e-Statements) |
| Dividend earnings: | Account earns dividends based on tiered rates. E-mail for the current rate. |
All business checking accounts include the following features:
- Visa® Business check card
- Access to your account via Net Access 24 at www.ccfinancial.com and Phone Access 24.
Visa Check Card
With a CCF Visa check card, you can access your checking account at any time from thousands of locations. The check card is more convenient than carrying checks, and safer than carrying cash. Your transactions automatically deduct from your CCF checking account and appear on your account statement so it’s easy to keep track of purchases and expenses.
Overdraft Protection
In today's busy world, you can find a lot of things to worry about. Overdrawing your checking account doesn't have to be one of them. That’s the reason CCF offers the option of overdraft protection.
Overdraft Loan:
- Advances funds in pre-established increments that you pay back just like other loans.
Visa Overdraft:
- Overdraft protection from your CCF Visa credit card
- Advances funds in pre-established increments
No matter which type of overdraft protection you choose, you will have peace of mind and, more importantly, no more bounced checks or NSF fees.
E-Alerts
With personalized eAlerts, you’re always in the know because eAlerts can be sent to your e-mail address or mobile phone. You can choose the E-Alert preference and frequency that is right for you. CCF’s personalized eAlerts can remind you when your payment is due, notify you when your balance reaches a set amount and notify you of deposits, withdrawals or even CD maturity dates. The service is free and can be discontinued at any time. To sign up, log on to NA24, and click on “Other Options.”
E-ALERTS AVAILABLE:
- Low Balance
- Low available balance
- Daily balance
- NSF
- Courtesy Pay
- Overdraw Transfer
- Insufficient Funds
- Courtesy Pay Changed
- Courtesy Pay Changed
- Courtesy Pay Added
- Courtesy Pay Revoked
- Direct Deposit Received
- Automatic Withdrawal
- Pending ACH
- Large Withdrawal
- Share Transfer
- Divident Rate
- Maturing Certificate
- Large Debit Card or ATM Transaction
- NA24 Access
- NA24 Share Transaction
- Mailing Address Change
- E-mail Address Change
- Regulation D Transaction
- Special Offers, Rates and Promotions
- Enewsletter Signup
- Online Mortgage Access
Reorder Checks
Running low on your CCF checks? For quick processing, you can reorder a new box of checks online. Before you log in, be sure to have your account number and the check reorder slip from your last box of checks. Problems ordering online? Call (248) 340-9310 during regular business hours for assistance.
Note: Premier members must contact a branch office or call (800) 777-6728 to receive a free check order.
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