CRFCU Checking Accounts

Smash the fees and start saving more of your money with Community Resource FCU’s true No Fee Checking account, Community Free Checking!

No matter what stage of life you’re in, there’s a Checking account that’s built just for you. Our Checking accounts include:

  • Deposits & withdrawals
  • Checks and EFTs
  • Withdrawals with CRFCU and Network ATMs
  • Bill payments
  • Point-of-sale transactions

There’s no monthly fee and no minimum balance required on Community Free Checking. Isn’t it time you got more from your checking account?

Need help finding the right account?

We can help you find the right account in seconds!

Community Free Checking

Perfect for you if:

  • Your idea of banking is a debit card, online and mobile banking and ATMs
  • You don’t use many checks
  • You use other accounts to earn dividends

No minimum balance to open or maintain and no monthly fee. 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
  • Pay a Friend
  • Debit card On/Off
  • Alerts

Community Dividends Checking

Perfect for you if:

  • Earning dividends on your checking account is important
  • You write checks often
  • You are able to keep at least $1000 in your checking account

Minimum balance to open. Earn dividends on balances of $1000 or more. Free checks and no monthly fee if you maintain your account balance. Free access to thousands of ATMs and shared branching locations. Fee if average daily balance falls below $1000.

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
  • Pay a Friend
  • Debit On/Off controls

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.

Fee: $5 per transfer

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. Get more info.

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 or debit card number, such as health club memberships, utility payments, online subscriptions, etc.

For protection on everyday debit card purchases and ATM transactions, simply opt-in by doing one of the following:

  • Call (518) 783-2211 and we will process your request over the phone
  • Call or visit your local Branch
  • Print, complete and mail this Overdraft Options Form to CRFCU, 20 Wade Road, Latham, NY 12110

Fee: $30 per item

Learn more about Courtesy Pay

**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 will first 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, and then we may elect to pay the overdraft subject to 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 or credit card obligation with us You do not have any charged-off accounts with us Your account has been opened for a minimum of 30 days