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Checking

Smart Start Checking

If you’re a full-time student in school, age 14-18, you’re just learning to manage your money and set 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.

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 VISA Debit Card** (for those students 15 and older)
  • Free ATM Access at any CO-OP/Allpoint ATM (85,000 ATMs nationwide)
  • Eligibility for Columbia Credit Union’s Student Scholarship Program
  • Contest updates
  • Free online home and mobile banking, and much more

Campus Savers Program

If you’re a full-time student in college or trade school and are 18-25, 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.

  • Campus Checking: no monthly service fees
  • No minimum balance
  • Eligibility for Columbia Credit Union’s Student Scholarship Program
  • Your first box of checks free*
  • Free VISA Debit Card**
  • Three Accident Forgiveness Refunds for NSF’s. (NO questions asked – we understand mistakes happen and we are here to help!)
  • VISA Credit Card
  • Free ATM Access at any CO-OP/Allpoint ATM (85,000 ATMs nationwide)
  • Fast Cash Forgiveness… 3 free monthly withdraws at non CO-Op/Allpoint ATMs
  • .25% APR loan rate discount for first-time borrowers (discount not available for use on share secured loans or any revolving credit loans)
  • Free online home banking, bill pay, and much more

Fresh-Start Checking

Everyone makes mistakes! Fresh-Start Checking is 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 eStatement Service, otherwise additional fees may apply for monthly statements)
  • No minimum balance requirement
  • First box of checks ordered are free*
  • Free VISA Debit Card**
  • Free ATM Access at any CO-OP/Allpoint ATM (85,000 ATMs nationwide)
  • Free online home and mobile banking, bill pay, and much more

Everyday Checking

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

  • No monthly service fee
  • No minimum balance
  • First box of checks ordered are free*
  • Free VISA Debit Card**
  • Free ATM Access at any CO-OP/Allpoint ATM (85,000 ATMs nationwide)
  • Free online home and mobile banking, bill pay, and much more

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 the minimum at any time during the month
  • 10% annual discount on safe deposit box rental
  • One free official check or Money Order daily
  • First box of checks ordered are free*
  • Free VISA Debit Card**
  • Free ATM Access at any CO-OP/Allpoint ATM (85,000 ATMs nationwide)
  • Fast Cash Forgiveness… 3 free monthly withdraws at non CO-Op/Allpoint ATMs
  • Free online home and mobile banking, bill pay, and much more

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 (on request)
  • 20% annual discount on safe deposit box rental
  • One free official check or Money Order daily
  • First box of checks ordered are free*
  • Free VISA Debit Card**
  • Free ATM Access at any CO-OP/Allpoint ATM (85,000 ATMs nationwide)
  • Fast Cash Forgiveness… 3 free monthly withdraws at non CO-Op/Allpoint ATMs
  • Free online home and mobile banking, bill pay, and much more

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