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Checking Accounts


Share Draft Checking


Our most-popular checking product. Share Draft Checking Account is a free, interest-bearing account offering the features you've come to expect in a checking product.

Features

In addition to the benefits listed above, the Share Draft Checking Account features:

  • Earn interest, deposited monthly into your account 3
  • No Minimum Balance Requirement
  • No Monthly Fees
  • Free online bill pay
  • Unlimited check writing
  • Option to receive statements via mail or eStatements

Open a Share Draft Account

or Call 800-527-1017

Image Checking


Enjoy a free checking account and receive copies of your cancelled checks every month.

Features

In addition to the benefits listed above, the Image Checking Account features:

  • Copies of your cleared checks with each monthly statement
  • No Minimum Balance Requirement
  • No Monthly Fees
  • Free online bill pay
  • Unlimited check writing
  • Option to receive statements via mail or eStatements

Open an Image Checking Account

or Call 800-527-1017

Senior Sense Checking


Are you retired and age 60 or more?
Senior Sense Checking provides many benefits above and beyond what you'll find at other institutions.

Features

In addition to the benefits listed above, the Senior Sense Checking Account features:

  • Free box of safety-paper checks each year
  • Premium certificate rates with balances of $10,000 or more
  • Half-price safe deposit box (any size) for the first year
  • No fee on up to $1,000 annually on one-signature Traveler's Checks
  • No Minimum Balance Requirement
  • No Monthly Fees
  • Free online bill pay
  • Unlimited check writing
  • Option to receive statements via mail or eStatements

Requirements

To qualify for a Senior Sense account, you must meet all of the following criteria:


Student Sense Checking


Student Sense Draft Account provides a safe means for students age 15 years and older to access funds without the need to carry cash. Moreover, it affords the opportunity for parents or guardians to oversee the account, set limits and help the student learn good financial habits.

Features

In addition to the benefits listed above, the Student Sense Draft Account features:

  • All account holders may access the account through online banking, allowing parents or guardians to monitor spending
  • No Minimum Balance Requirement
  • No Monthly Fees

Requirements

To qualify for a Student Sense account, you must meet all of the following criteria:

  • Primary account holder must be 15 years or older
  • If under 18 years of age, a parent or guardian must be on the account jointly

Please note: paper checks and free online bill pay are not available for this account.

Open a Student Sense Account

or Call 800-527-1017


Central One offers a checking account to fit nearly every lifestyle. While each is customized to appeal to different types of people, all of our checking accounts offer these great benefits:


Debit Card
Receive a Visa debit card to easily access cash from ATMs or make purchases at stores.

Online & Mobile Banking
Sign up for free online and mobile banking to get 24/7 access to your money. 

Instant Issue Replacements
If your card is lost or stolen, we can issue a new card at any full-service branch while you wait.

Mobile Check Deposit
Deposit checks anywhere using the Central One mobile banking app 1 . Just snap, tap, deposit!

Access to eStatements
Help the environment by opting in to eStatements. eStatements are delivered faster and save on paper.

More than 30,000 Free ATMs 2
No fees when using any in-network ATM from SUM or AllPoint. Use the mobile app or ATM Locator to find nearby ATMs.

Free Online Bill Pay
Don't pay to pay! With Central One set up recurring or single bill pays with no usage fee.

Federally Insured by NCUA
Deposit accounts at Central One Federal Credit Union are federally insured to at least $250,000 by the NCUA and backed by the full faith and credit of the United States Government.


1 While Central One does not charge for mobile banking, your mobile carrier’s message and data rates may apply. 

2 Free ATM network includes Central One, SUM and AllPoint terminals. Out of network terminal owners may charge a service fee. 

3 Dividends based on average daily balance, visit our rates page for current Annual Percentage Yield (APY).

Checking Account (Share Draft) Disclosure: Dividend rates are accurate as of the last dividend declaration date. All checking accounts are considered variable rate accounts and rates are subject to change at any time without notice. Fees or other conditions may reduce earning on the account .   Refer to Central One Federal Credit Union's  Truth-In-Savings Disclosure  and  Schedule of Fees.