Checking Accounts

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Smart Start Checking

If you’re a full-time student in school, age 13-18, you’re just getting started managing your money and setting financial goals. Columbia Credit Union is here to provide the tools you need. Take control and get on the right path with services designed with you in mind. Our Smart Savers Program helps you develop good money management habits and start your first checking account.

If you’re not already a member of Columbia Credit Union, have your parents or guardians help you join by completing a Membership Application and make a minimum $25 deposit into your new Share Savings Account (additional $25 minimum deposit to open a Smart Savers Free Checking Account). Your parent or guardian will be a joint owner on your account. Now you’re on your way.

Members of the Smart Start Savers Program receive the following benefits along with the membership:

  • Smart Start Free Checking: no monthly service fees
  • No minimum balance
  • You will receive your first box of checks free*
  • Free personalized VISA Debit Card** (for those students 15 and older)
  • Free ATM Access at any Co-Op ATM (30,000 ATMs across the nation)
  • Eligibility for Columbia Credit Union’s Student Scholarship Program
  • Contest updates
  • Free online home and mobile banking, and much more

Apply Now »
Campus Savers Program

If you’re a full-time student in College or Trade School age 18-25 and you’re just getting started or continuing to learn about managing your money and setting financial goals, then we have an account just for you. Columbia Credit Union is here to provide the tools you need. Take control and get on the right path with these services designed with you in mind. Our Campus Savers Program helps you develop good money management habits and start your checking account.

If you’re not already a member of Columbia Credit Union, complete our short Membership Application and make a minimum $25 deposit into your new Share Savings Account (additional $25 minimum deposit to open a Free Campus Checking Account).

  • Free Campus Checking: no monthly service fees
  • No minimum balance
  • Eligibility for Columbia Credit Union’s Student Scholarship Program
  • You will receive your first box of checks free*
  • Free personalized VISA Debit Card**
  • 3 Accident Forgiveness Refunds for NSF’s. (NO questions asked, we understand a mistake can happen and we are here to help!)
  • VISA Credit Card
  • Free ATM Access at any Co-Op ATM (30,000 ATMs across the nation)
  • Fast Cash Forgiveness… refund up to $20.00 annually for foreign ATM charges
  • .25% APR loan rate discount for 1st time borrower (discount not available for use on share secured loans or any revolving credit loans)
  • Contest updates
  • Free online home banking, bill pay, and much more

Apply Now »
Fresh Start Checking

Everyone makes mistakes! We offer Fresh Start Checking as an option for those members who have had prior account management issues that may prevent them from opening a traditional checking account.

  • $15.00 Monthly Service Fee (requires enrollment in our Going Green Program, otherwise additional $1.00 service fee for monthly statements)
  • No Minimum Balance Requirement
  • First Box of checks ordered are free*
  • Free personalized VISA Debit Card**
  • Free ATM Access at any Co-Op ATM (30,000 ATMs across the nation)
  • Free online home and mobile banking, bill pay, and much more

Apply Now »
Fat Free Checking

Checking without the fuss! This product is designed for individuals looking for a straight-forward, no-nonsense checking account without hidden fees or minimum balance/deposit requirements.

  • No Monthly Service Fee
  • No Minimum Balance Requirement
  • First Box of checks ordered are free*
  • Free personalized VISA Debit Card**
  • Free ATM Access at any Co-Op ATM (30,000 ATMs across the nation)
  • Free online home and mobile banking, bill pay, and much more

Apply Now »
Advantage Checking

Want the best of both worlds? Our advantage checking offers you the flexibility of a checking account with the earning potential of a savings account! You also get exclusive discounts on select credit union services.

  • Interest Bearing
  • $200.00 Minimum Balance Requirement
  • $10.00 Monthly Service Fee if balance falls below minimum at any time during month
  • 10% Annual Discount on Safe Deposit Box Rental
  • One Free Official Check Per Day
  • First Box of checks ordered are free*
  • Free personalized VISA Debit Card**
  • Free ATM Access at any Co-Op ATM (30,000 ATMs across the nation)
  • Free online home and mobile banking, bill pay, and much more

Apply Now »
Golden Advantage Checking

Golden Advantage Checking is designed to fit the needs of our members who are 50 years of age or older. It offers the same perks as our Advantage Checking with some added benefits. There is no minimum balance requirements and you may receive monthly mailed statements for free!

  • Interest Bearing
  • No Minimum Balance Requirement
  • No Monthly Service Fee
  • Free Online and Mailed Statements (if requested)
  • 20% Annual Discount on Safe Deposit Box Rental
  • One Free Official Check Per Day
  • First Box of checks ordered are free*
  • Free personalized VISA Debit Card**
  • Free ATM Access at any Co-Op ATM (30,000 ATMs across the nation)
  • Free online home and mobile banking, bill pay, and much more

*Free checks are for CCU Logo Check Stock
**First Personalized VISA Debit Card free for new members

Apply Now »
If you would like to change from your current checking product to a new product please fill out and mail this form to the Credit Union.

 

Protect your VISA card with a personal password to help ensure that only you can use it at participating online stores. It’s free! Activation is easy. We strongly encourage you to add this extra layer of protection for your CCU VISA debit and/or credit cards. Click on this link: Verified By VISA and follow the simple steps. The site will ask for your SSN.