Checking Accounts

Simplify Your Life With a CCFCU Personal Checking Account

CCFCU’s Personal Checking Accounts help keep the necessities of your financial life easy.

  • No Monthly Fees
  • No Required Debit Card Usage
  • Free – Clear & Simple
  • No Minimum Balance Required
  • No Required Direct Deposit

Keep it easy

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Personal Checking Accounts

You may ask yourself, “Do I really need a checking account?” That depends, but having a checking account may make your life simpler. Save time by having your paycheck direct deposited into a CCFCU checking. Viewing your account transactions can make creating a budget easier. And who wants to risk losing cold, hard cash?

Check Out CCFCU’s Clear & Easy Checking Account Options:

“Regular” Checking Account

CCFCU’s “Regular” Checking Accounts keep all the necessities of your financial life hassle-free. With no monthly fees, no minimum balance requirements, no required direct deposit, and no required debit card usage, it’s our way of keeping things easy to fit your busy lifestyle.

Apply Now! Contact a Service Specialist!

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Take it Easy – Let Your Money Work For You!

Open a CCFCU Money Market Checking Account

This account is great for members who are looking for a high-yield checking account. It’s an investment opportunity that earns higher dividends and still allows immediate access to your funds with no penalties.

  • $4,000 Minimum Opening Balance
  • Tiered Dividend Schedule Rates
    • Dividends paid monthly on average daily balance of $4,000 or more
    • Average daily balance of $10,000 or more earn additional monthly dividends

Apply Now! Contact a Service Specialist Today!

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free4ME Account

The ultimate checking account for 18- to 25-year-olds. With all the features of our Personal Checking Accounts and some great extra perks, living Young & Free in Maine has never been easier! Details

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Fresh Start Checking Accounts

A checking account specifically designed to give you a Fresh Start, giving a second chance to individuals who want to re-establish their financial record. If you ever had an account closed when it was overdrawn, your name may appear on national lists many financial institutions use when qualifying members for new accounts. Appearing on these lists may reduce your chances of being able to open an account.  At CCFCU, we believe everyone deserves a Fresh Start. Low, monthly $5.00 fee applies if approved.

Apply Now! Contact a Service Specialist Today!

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Business Checking Accounts

Different sized businesses have different needs. CCFCU has three business checking accounts to meet the unique needs of your business.

Each offers:

  • No Minimum Balance Requirement
  • Low or No Monthly Service Fee
  • No per-check or transaction charges
  • No per check deposit charges
  • Savings (Share) Transfer Overdraft Protection

DBA (Doing Business As…) Checking Accounts

  • Great value for Sole Proprietorships
  • Low $5.00 monthly fee (bonusmonthly fee waived it daily balance is $10,000.00 or above)

Business (Non-DBA) Checking Accounts

  • Easy solution for business banking
  • Low $14.00 monthly fee (bonusmonthly fee waived it daily balance is $10,000.00 or above)
  • Documentation of existence as a business is required

Non-Profit Checking Accounts

  • Easy solution for associations, clubs, churches, charitable and other non-profit organizations
  • No monthly fee
  • Required documentation: proof that the organization is tax-exempt under Section 501(c)(3), 501(c)(4), or 501(c)(10) of the Internal Revenue Code

Apply Now! Contact a Service Specialist Today!

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Overdraft Options

Unforeseen circumstances happen to us all…and usually at just the wrong time! Your car breaks down on Wednesday and you don’t get paid until Friday. You make an honest mistake in your checkbook and it leaves you a “little short” to cover all your outstanding checks.

For whatever reason, CCFCU offers several options for when there’s just not enough money in your account to cover your transactions.

Share (Savings) Transfer

Share Transfer Overdraft Protection is a program that transfers available funds from your savings account automatically to cover a check or other item which would otherwise be returned for non-sufficient funds. The fee is $3 per overdraft item, which will also be transferred from your savings. Every CCFCU checking account is automatically enrolled in our Share Transfer Overdraft Protection program.

Overdraft Line Of Credit

With an Overdraft Line Of Credit, your checking account is covered. It protects you from overdrafts and from having transactions denied for non-sufficient funds. Plus, it’s also an easy and convenient line of credit when you need quick access to cash.

Courtesy Pay

Courtesy Pay adds a measure of protection to CCFCU’s Personal, free4ME, or Money Marketing Checking Accounts. (Fresh Start and Business Checking Accounts are not eligible for Courtesy Pay.) Courtesy Pay may cover items such as checks, up to your approved limit, when funds are insufficient for a set fee per covered overdraft transaction. Courtesy Pay Disclosure