Checking Accounts
Personal 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 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. Contact Us about setting protective stand-in and overdraft limits on student accounts.
| Items | 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 | Yes | Yes |
| Identity 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 | Benefits |
| 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 |
Share Draft/Checking
Effective Date: July 1, 2025
| APR | APY | Dividend | Minimum Balance | Minimum Balance to obtain APY |
|---|---|---|---|---|
| 0.050% | 0.050% | Compounded/Credited Quarterly | None | $250.00 |
Contact us for answers to questions. APR=Annual Percentage Rate APY=Annual Percentage Yield | ||||
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