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CRFCU Checking Accounts

Community Resource FCU offers two checking accounts, Community Free Checking, and Community Dividend Checking. No matter which of our checking accounts you choose, you’ll have convenient access to your money. We offer electronic banking tools and 24/7 access to your money, freeing you up for work, family and everything else. Instead of nickel-and-diming you with unnecessary fees, we put money back in your pocket. As a credit union, we offer all of the services a big bank has to offer with several added benefits. And because we’re not-for-profit, we pay back earnings to you by offering higher savings rates and lower loan rates.

Our checking accounts have added value: 

  • SaveUp account linking for a fast, easy way to save money. 
  • Debit card with a remote control protection feature. 
  • Access to your money at over 5,500 Shared Branching locations and 30,000 surcharge-free ATMs.. 
  • Online and Mobile App banking access. 
  • No minimum balance or monthly fee* with the basic checking account.

Need help finding the right account?

We’re here to help. Click here or call us at 518.783.2211. 

*Although there is no monthly fee, an inactivity fee may be charged if you do not use your account for over 90 days. 

CheckboxCommunity Free Checking

 

 

Perfect for you if:
  • Your idea of banking is a debit card, online and mobile banking and ATMs
  • You use other accounts to earn dividends

No minimum balance to open or maintain and no monthly fee* on active accounts.  Free unlimited access to thousands of ATMs and shared branching locations. Deposits are federally insured up to $250,000 by the National Credit Union Administration.

Free online and mobile banking, including:

  • Bill pay
  • Mobile check deposit
  • E-Statements
  • External Transfers to other financial institutions
  • Account to Account Transfers
  • Debit card On/Off
  • Alerts
  • Free 24/7 access
  • View Account history

CheckboxCommunity Dividend Checking

 

 

 
Perfect for you if:
  • Earning dividends on your checking account is important
  • You are able to maintain a monthly average balance of at least $1,000. 

Minimum balance to open. Earn dividends on balances of $1,000 or more.  There may be a fee if your average daily balance falls below $1000 each month. Free checks.** Free access to thousands of ATMs and shared branching locations. Deposits are federally insured up to $250,000 by the National Credit Union Administration.

Free online and mobile banking, including:

  • Bill pay
  • Mobile check deposit
  • E-Statements
  • External Transfers to other financial institutions
  • Account to Account Transfers
  • Debit card On/Off
  • Alerts
  • Free 24/7 access
  • View Account history

**Limited to two check orders per 365 days.

 

Protecting your account has never been so easy.

Ever had an oops moment in your checking account? Checking accounts are active places—checks, debit card charges, automatic payments and ATM withdrawals are all fighting for the dollars in your account. Sometimes a charge can sneak through, send your balance negative and cause an overdraft.

Members can avoid overdraft fees from Community Resource FCU, and bounced check fees from merchants, by using overdraft protection** methods:

TRANSFER FROM SAVINGS

Keep extra money in your savings account and we will transfer funds from your savings to cover charges that would bring your checking account negative if needed.

 

OVERDRAFT PROTECTION LINE OF CREDIT

This line of credit loan is linked to your checking account and will automatically transfer money to your checking to cover charges that would bring your account negative. To choose this option, complete a loan application and meet credit criteria. Click here to begin an application. 

Fee: There is no fee. The Overdraft Line will transfer money into your account in $50 increments.

COURTESY PAY

Qualified members can withdraw more than the account balance, up to a pre-approved limit, for a short period of time to cover unexpected emergencies. Community Resource FCU will pay the merchant for the following transactions that would bring your account negative:

  • Checks you’ve written
  • Pre-authorized withdrawals using your checking account information 
  • Debit card transactions 

For protection on your account, simply opt-in by doing one of the following:

  • Call (518) 783-2211 and we will process your request over the phone
  • Visit your local Branch

Fee: $30 will be charged per item that is covered.

 

**Overdraft protection services are offered to eligible members. They allow CRFCU, at our discretion, to authorize and pay checks, ACH withdrawals and other transactions on a checking account when there is an overdraft. Transfers can be made from the primary share account, provided there are enough available funds in that account, then from the line of credit (if applicable) up to the available credit limit, or any preference indicated to us by the member. Overdraft transfers are subject to a transfer fee. Repayment is due immediately or on demand. In order to be eligible for overdraft protection services, you must have a checking account in good standing. This includes, among other requirements, the following: You are not delinquent on any loan with us and you do not have any charged-off accounts with us.