Our checking account options are more than just a way to manage your money. They're a tool to make your money work for you.
Share Draft Checking
- No monthly service fee
- No per-item fees *
- No minimum balance
- Overdraft protection options
- Debit cards printed in the branches
- Quick Check is complimentary to members with direct deposit and credits most deposits up to two days faster
- Free e-services such as online banking, all-inclusive smart device apps, automated telephone banking, e-statements, and more
- New Horizons Club members aged 50 and over receive one box of checks free per year, as well as many other free or discounted services. Contact a Member Service Representative for details.
* A transaction fee may apply when using the CPFCU debit card at an ATM not owned by Coosa Pines FCU. Refer to our Fee Schedule for more detailed information on all fees associated with credit union membership.
Flexible Rewards Checking
Who doesn't love easy money? Our Flexible Rewards Checking is a high-yield account with money-saving perks. If you meet the monthly qualifications, you can earn a 3.00% APY* Dividend Rate on the portion of your average daily balance that is less than $20,000.00.
Flex Rewards Account Features:
- A Dividend Rate of 3.00% APY will be paid only for that portion of your average daily balance of less than $20,000.00
- A Dividend Rate of 0.10% APY will be paid on your balance exceeding $20,000.00, resulting in an APY of 0.10-3.00%, depending on the balance in the account *
- Up to $15.00 in ATM fees will be refunded monthly
- One free box of checks per year
- No minimum balance requirement
- No monthly service fees
- Unlimited Check-writing
Want to know more? Please call a Member Service Representative at (256) 378-5559, option 4, or email [email protected].
Flex Rewards Checking is available with personal accounts only. Only one (1) Flexible Reward account is allowed per Social Security number. Fees may be incurred for the following items: check orders, overdraft fees, returned check fees, insufficient funds fees, transfer fees, and statement copy fees (other fees may apply). Imposition of these fees may result in reduced earnings on your account.
Qualification Cycle Requirements: The “Monthly Qualification Cycle” refers to the first day of the current statement cycle through the close of the current statement cycle. We encourage that requirements be met during the first part of the Monthly Qualification Cycle to ensure benefits are rewarded. If the requirements are unmet in a given month, no dividends will be paid, and no ATM fees will be refunded. To receive the account’s benefits, the following requirements must be met during each Monthly Qualification Cycle:
- Have at least fifteen (15) debit card purchases post and settle.
- Have at least one (1) direct deposit.
- Be enrolled and receive e-Statements notice.
- Have 2 ACH Payments drawn from the account.
* APY=Annual Percentage Yield. APY is effective and accurate as of 01/29/2024. The interest rate and the APY may change monthly after the account is opened. No minimum deposit to open. If qualifications are met each Monthly Qualification Cycle: 1. ATM fees up to $15 incurred during the Qualification Cycle will be reimbursed and credited to the account on the first business day of the next month; 2. Balances up to $20,000.00 receive an APY of 3.00%. 3. Balances over $20,000.00 earn a dividend rate of 0.10% on the portion of balance over $20,000.00, resulting in an APY of 0.10-3.00%, depending upon the balance. Qualifying transactions must be posted to and settled account during the Monthly Qualification Cycle. Transactions may take one (1) or more banking days from the transaction's date to post to and settle an account. Transfers between accounts do not count as qualifying transactions. ATM-processed transactions do not count toward qualifying debit card transactions. Fees may reduce earnings. Only one (1) Flexible Rewards account per Social Security number. Please check with an employee to verify current rates. A posted transaction occurs when funds are withdrawn from the account. Posted debit purchases may vary by merchant; therefore, we have no control over these delays. Reversed debit card purchases will not count toward the required total. Debit card transactions processed by merchants and received as ATM transactions do not count toward qualifying debit card transactions. Only debit card transactions processed by merchants and received as POS transactions count toward qualifying debit card transactions.