Checking Accounts

A checking account is a great place to start.

Your checking account is probably the hub of your everyday financial life. Whether you're looking for a simple checking account to pay the bills, manage your money, or earn rewards, we have a checking account to fit your lifestyle. 

A CommonWealth Central Credit Union checking account is convenient, secure, and easy to open. Check out what we have to offer!

REWARDS CHECKING

No minimum balance and no-fee checking account that REWARDS you 1.50% APY* on balances up to $20,000. Learn more

OPEN AN ACCOUNT

FREE CHECKING W/ ESTATEMENTS

All the benefits of a checking account without the big-bank fees. Learn more

OPEN AN ACCOUNT

PREMIUM CHECKING

Earn monthly dividends by maintaining an average daily balance of $600. Learn more

OPEN AN ACCOUNT

WEALTH CHECKING

Earn monthly dividends by maintaining an average daily balance of $2,500. Learn more

OPEN AN ACCOUNT

COMPARE CHECKING ACCOUNT FEATURES

Checking Account Benefits

 

ANYTIME
ATM ACCESS

CONVENIENCE
AND CONTROL

CONVENIENT
CHECK DEPOSIT

DIGITAL
WALLET

Most Popular Checking Account

FEATURES REWARDS CHECKING
Min. Balance Required None
Earns Dividends
Monthly Fee None
Paper Statement Fee $2
Overdraft Protection Up to $1,000


More About Rewards Checking
 

Rewards Checking Calculator

 
 

Your Earn Growth Over 5 Years

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Rewards Checking 1.50% % APY is up to a max balance of $20,000 and thereafter standard rate of 0.05% will apply. Click here for more details.

On The Go Banking

Access your CommonWealth Central Credit Union accounts at your convenience, whether you are on the go or simply relaxing at home.

Some of the many features include:

  • Check account balances and transaction history
  • Apply for a loan
  • Pay bills
  • Mobile deposit
  • Transfer funds
  • Find the nearest branch and ATMs
  • Budgeting tools that allow you to sync external accounts

 

Looking For More?

 

  • Top Checking FAQs

    How do I open a checking account?

    You can open an account by filling out our membership application.

    What do I need to open an account?

    You will need your Social Security Number​, a government-issued ID (i.e. State issued Driver's License/ ID, or Passport), proof of physical address (if the address on your government-issued ID is not current), a Debit/Credit card number to fund your new account, and $15 ($5 pays your one-time membership fee, and $10 will be deposited to your regular share/savings account).

    Do I need to be a member to open a checking account?

    You can open a checking account and apply to become a member at the same time.

    How do I transfer funds to my new account?

    It’s actually very easy to transfer money from another financial institution if they allow external transfers. To transfer funds from another financial institution, log into your account with that bank/credit union, select the option to transfer funds to another financial institution and enter CommonWealth’s routing number 321176794 and your account number

  • Smart money management
  • Other ways to save
  • ACCOUNT COMPARISON

     

    FEATURES REWARDS CHECKING FREE CHECKING W/ ESTATEMENT PREMIUM CHECKING WEALTH CHECKING

    Free Online Banking

    Free Bill Pay

    Free Mobile Banking

    Free eStatements

    24-hour Wealth Access Line

    Direct Deposit Available

    Overdraft Protection Available*

    Min. Balance Required to Avoid Monthly Fee

    None

    None

    $600

    $2,500

    Earns Dividends

    No

    Monthly Fee

    None

    None

    $7 (Waived with
    Financial Partnership
    or with average daily balance of $600 or
    more)

    $10 (Waived with
    Financial Partnership
    or with average daily balance of $2,500 or
    more)

    Paper Statement Fee

    $2

    $2

    None

    None

    Overdraft Protection

    Up to $1,000

    Up to $1,000

    Up to $1,000

    Up to $1,000

    *Transfer Limitations. For all Share, Money Management, and Wealth Management accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card, or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

*APY=Annual Percentage Yield. Rate is variable and subject to change at any time. To qualify for the Rewards Checking APY, you must meet the following requirements by the end of each month: be enrolled in eStatements, have direct deposit or ACH deposit transactions totaling $300 or more per month, and have at least 15 debit and/or credit card transactions per month. All qualifying transactions must post to the account and the funds must be available by 3:00pm on the last day of each month. Note: Debit and credit card purchases can take up to 3 days to post and are dependent upon merchant processing times. If you do not meet the Rewards Checking account requirements, you will not receive the APY. Rewards Checking APY is up to a max balance of $20,000 and thereafter standard rate of 0.05% will apply. Membership in CommonWealth required. Limit one Rewards Checking account per member. All new accounts will be verified by ChexSystems. Members with an existing CommonWealth checking account may convert their current account into a Rewards Checking account. Offer is subject to cancellation without notice and cannot be combined with any other offer.
1No monthly service charge for Rewards Checking. You must opt-in to eStatements to have the $2 monthly paper statement charge waived