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Whether 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. Click here to see current checking rates.
All CCF checking accounts feature:
- Visa check card
- Online account access to statements, cleared checks, bill pay and more
- Monthly statement for easy balancing
- Telephone access to accounts via Phone Access 24
- Funds can be automatically deposited to your checking account via direct deposit or payroll deduction
Basic Checking
The name says it all – free, no-frills checking made convenient for you.
| 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 |
Interest Checking
A low minimum daily balance lets you earn dividends.
| Minimum balance: |
$500 |
| Monthly per check fee: |
None |
| Check writing privileges: |
Unlimited |
| Monthly service fee: |
$5 if account falls below minimum average daily balance |
| Statement fee: |
$1 (waived by signing up for e-Statements) |
| Dividend earnings: |
Monthly |
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.
| 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 accountholders must have a parent or guardian as joint account holder.
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.
Basic & Non-Profit Checking Apply Now
This is our simple, economical account for business owners with a fairly low number of monthly transactions.
| Opening deposit: |
$100 |
Minimum balance:
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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 Apply Now
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:
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$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 Apply Now
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:
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$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:
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$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:
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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.
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. Top
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