Checking Account Comparison Chart
| Traditional Checking (10) | Capital Cash (18) | E2 Checking (15) | |
|---|---|---|---|
| Minimum Balance | $250.00 ($2.50 fee if balance falls below) | None | None |
| Monthly Maintenance Fee | $2.50 | $1.50 | None |
| Earn Dividends | Yes | No | No |
| Identify Theft Protection Benefit | Yes | Yes | No |
| Debit Card Transactions | Unlimited | Unlimited | Unlimited |
| ATM Withdrawals per Month | 4 ($1.00 each additional) | Unlimited | Unlimited |
| Teller Assisted Transactions | Free | Free | $3.00 |
| CPCUi & E-Statements | Yes | Yes | Required |
| Paper Checks Available | Yes | Yes | Yes |
| Overdraft Transfer Fee | $3.00 | $3.00 | $3.00 |
| Overdraft Coverage | Available $30.00 | Available $30.00 | Available $30.00 |
Checking Accounts
CPCU offers 3 types of personal checking accounts. Choose the one that best meets your needs; from the traditional dividend earning account to an all electronic fee-free account. Setting up direct deposit is easy. For an extra layer of protection, we also offer Overdraft Coverage on certain accounts.
Students have special checking needs. Monthly maintenance fees are waived for current students. For students 14–18 years old, an adult is required on the account. Talk to us about setting protective stand-in and overdraft limits on student accounts.
Debit Cards
CPCU Debit Cards now enabled for your mobile wallet! Learn more about Apple Pay, Google Pay, or Samsung Pay here. CPCU offers chip enabled debit cards and all of our accounts offer direct deposit. Need to order a debit card? Get the form here! Print off the application and bring it into CPCU today!
ATM/Debit Card- Activate or Set/Change PIN Phone #: 1-800-992-3808
Stolen Cards
Report a Lost or Stolen Credit Card or ATM/Debit Card
Remote control your card (more information below) with our CPCUi mobile app or log onto your online account here. If you prefer you can always call us any of our branch offices during normal business hours at the following phone #’s:
Lansing: 517-372-2400
Eaton Rapids: 517-663-8176
Battle Creek: 269-964-2713
After Hours Phone #’s for Lost or Stolen Cards:
ATM/Debit: 1-833-337-6075
Credit Card: 1-800-991-4961
Visa USA Global: 1-800-VISA-911 (Members need full card number)
Remote Control
Download our app and you can control your card(s) where ever you go! Think you lost your card? That’s a scary feeling we can relate to, so we wanted to make it easy for you. Now, you can quickly log into the app and temporarily freeze your card so you don’t have to worry about someone finding your card before you can find it yourself! If you find your card you can just unfreeze it right then and there! If you know you definitely lost your card or that someone stole it you can also cancel your card and order a new one right through our app.
Online Bill Pay
- Pay your bills online, all in one place
- Pay your bills anywhere, anytime, even when you’re traveling
- Track payment history and account balances in real time
- Add the people and companies you want to pay quickly, then send payments with a simple click
- Have the convenience to schedule payments for a future date
- Set up email or text reminders when bills are due
CPCU online bill pay service is FREE* for all active checking account holders.
*Monthly inactivity fee: $5. Avoid this fee by completing at least 1 transaction every 45 days
Identity Theft Protection
Consumers Professional Credit Union has partnered with one of the nation’s most trusted names in Identity Theft protection to bring you the Gold Standard in comprehensive Fully Managed Identity Fraud Research, Remediation and Recovery Services available today. Members of Consumers Professional Credit Union who own a Traditional Checking Account or a Capital Cash Account automatically have the Fully Managed Recovery benefit.
If you suspect Identity Theft for ANY reason, you will be assigned a Recovery Advocate who will work on your behalf to recover your good name — no matter how long it takes. All types of identity fraud are covered, whether related to your financial accounts or not. Qualified family members are covered as well – three generations.
Consumers Professional Credit Union also offers you the option to upgrade your program by purchasing a package of services at your own option. Select from three Identity Theft Protection packages starting at $2.95 per month.
Full details, as well as the Terms and Conditions of these programs, are available here.
For more details or to request recovery assistance, call (517) 372-2400.
After Hours ATM/Debit Fraud Phone #: 1 (833) 377-6075
If you are using a screen reader or other auxiliary aid and are having difficulty with this site, please call 1-800-292-2728