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Share Draft Checking

At C&CCU, we offer a unique type of checking called a Share Draft Account. This account is much like the usual checking accounts you’d find at other financial institutions, but without the fees and charges. Our Share Draft Accounts offer:

  • No per-check fees
  • No service charges
  • Free e-statements
  • Optional overdraft protection
  • No minimum balance requirement
  • Interest-earning based on the average daily balance

For more information, or to open your Share Draft Checking Account, stop by one of our offices today!

There is no fee for having Overdraft Privilege unless you use it. The Overdraft Fee of $25 will be imposed for overdrafts created by checks, ACH, point-of-sale, ATM withdrawals, or by other electronic means (If multiple items are presented against your account on the same day, each item will be assessed the appropriate fee). You will need to bring your account current within 30 calendar days for at least 24 hours or we will withdraw your Overdraft Privilege. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing such as:

* not bringing your account to a positive balance within every thirty (30) day period for a minimum of one business day;

* if you default on any other obligation to Catholic & Community Credit Union; or

* if your account is subject to any legal or administrative order or levy.

We may withdraw this privilege at any time.

Ultimate Checking

Make the most of your money with our Ultimate Checking! Earn premium returns on balances up to $25,000, and get refunds on your ATM charges! All you have to do is complete 12 non-PIN transactions with your ATM card per month, and sign up to receive e-statements. There are no minimum balance requirements or monthly fees for this account. If you don’t meet the high-dividend requirements, you’ll simply earn the standard return for that month.

Student Checking

With the guidance and support of an adult co-signer, Student checking account holders will enjoy greater independence with Home Banking and secure E-statements. These free accounts feature a C&CCU Visa debit card, as well as ATM access at 30,000+ surcharge-free ATMs. Plus, all Student checking accounts are linked to the co-signer's accounts, so transfers are quick and convenient.

Rebound Checking

Specifically designed for members who need a second chance at checking, our Rebound Checking is a great way to build a strong financial base. If you have been turned down for a checking account because of ChexSystems or a poor credit history before, you may still qualify for our Rebound Checking account.

For full details on our Rebound Checking program, click here.

ATM Card

This card allows you to access your available funds at the credit union. You can use any Automated Teller Machine that displays the CO-OP, Cirrus or Star logo to check your account balance and withdraw or transfer funds. There are more than 28,000 surcharge-free ATMs! There is no charge at all for using a Catholic & Community Credit Union ATM.

Please note, it is important to alert the credit union if you plan to travel and use your ATM Card. As part of our efforts to decrease fraud, we monitor accounts for unusual activity. ATM Card usage in other states or foreign countries may be flagged as fraudulent, and transactions may be declined. By informing C&CCU of your travel plans, we can make a note on your account and prevent unnecessary delays or interruptions in your account access.

For a list of surcharge-free ATM locations, click here.

We now make it easier and safer to pay from the palm of your hand

Samsung Pay Andriod Pay Apple Pay

Visa® Check Card

With a checking account at the credit union, you may qualify for the convenience of our free Visa Check Card. Use it like a regular ATM card to perform ATM transactions from checking, and take advantage of great purchasing power at any merchant who accepts Visa. Your card works like a credit card, but your purchases are deducted right from your C&CCU checking account.

Please note, it is important to alert the credit union if you plan to travel and use your Visa Check Card. As part of our efforts to decrease fraud, we monitor accounts for unusual activity. Visa Check Card usage in other states or foreign countries may be flagged as fraudulent, and transactions may be declined. By informing C&CCU of your travel plans, we can make a note on your account and prevent unnecessary delays or interruptions in your account access.

If your Visa Check Card is lost or stolen, please call (800) 523-4175.

Overdraft Protection

We understand that our members sometimes make mistakes. That’s why we offer optional Overdraft Protection! Qualified members won’t have to worry about the vendor fees and embarrassment that come with bounced checks. Contact the credit union to inquire about this courtesy service.

There is no fee for having Overdraft Privilege unless you use it. The Overdraft Fee of $25 will be imposed for overdrafts created by checks, ACH, point-of-sale, ATM withdrawals, or by other electronic means (If multiple items are presented against your account on the same day, each item will be assessed the appropriate fee). You will need to bring your account current within 30 calendar days for at least 24 hours or we will withdraw your Overdraft Privilege. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing such as:

* not bringing your account to a positive balance within every thirty (30) day period for a minimum of one business day;

* if you default on any other obligation to Catholic & Community Credit Union; or

* if your account is subject to any legal or administrative order or levy.

We may withdraw this privilege at any time.

Open End Lines of Credit

With an Open End Line of Credit, your accounts will be linked to the additional funds you need to cover expenses should you become overdrawn. This additional line of defense is less expensive than traditional Courtesy Pay coverage, and you won’t pay a dime as long as you don’t require an advance. Limits range from $500 to $1500, there is no annual fee and members can access these funds through debit card transactions, ATM advances or by making a request at the credit union. Protecting your accounts has never been this affordable or convenient! Contact a loan officer to learn more or apply today!