Community Resource Federal Credit Union
Community Resource Federal Credit Union

Checking Accounts

We know one size doesn’t fit all

That’s why we’ve designed checking accounts that fit your lifestyle.

Personal - Free Checking

Free Checking

Hassle-free checking for those who prefer the ease and simplicity of banking.

Personal - Dividend Checking

Dividend Checking

Let your money work for you!

Personal - Teen Checking4

Teen Checking (13-17) 

The path to financial independence.

Personal - HSA Checking_bg

Health Savings Checking Account

Health Savings Checking Accounts

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:


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.


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.


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.