Get your own free checking account
Our Traditional Checking account was designed to cover all your payment needs, with no monthly maintenance or per-check fees. With this convenient digital account, you can:
This account can be opened by adults over age 18 and minors ages 16 and up with a parent or guardian.
Learn more about CAFCU's free checking account
I'm a CAFCU member. How do I open a new account?
Already a member? You can add a traditional checking account by logging into our free app.
Here's how to get started:
- Log in to CAFCU's digital banking app
- Choose Apply for Loan/Account > Open an Account > Apply Now.
- An application will pop up. Select the additional account you want to open.
- Choose Traditional Checking.
NOTE: You must be a current CAFCU member to open an account online.
If you don't have the app yet, you can download it for free via our digital banking page or by visiting your preferred app store.
You can also open a checking account by calling our Member Center between 7 a.m. and 7 p.m. CT Monday - Friday at 1-800-359-1939.
How do I get a free checking account if I'm not a member?
If you are not yet a CAFCU member, no worries! You can apply for membership online now and add a Traditional Checking account and any other accounts that interest you when you join.
Can I open a free checking account for my child?
Yes! Children ages 16 and up can have their own Traditional Checking account with CAFCU. However, a parent or guardian will need to be a co-applicant until the youth turns 18.
Contact us to learn more.
How does overdraft protection work?
With your Traditional Checking Account, you have the option to designate multiple overdraft protection sources from CAFCU savings and line of credit loans using the Overdraft Protection Opt-In Form on our forms page.
This fee-based service automatically transfers available funds from your designated account in the event an item is presented against non-sufficient funds in your checking account. This service is automatically set up on all checking accounts when your account is established. The default designated source account is your Regular Share account, but your checking account can have more than one designated overdraft source.
If you know you are close to overdrawing your account, you can avoid the overdraft fee by completing transfer of funds into your checking account within our
digital banking app.
How can I access the money in my Traditional Checking account?
We offer many convenient ways to access your cash.
Click here for the full list of options.
How do I set up direct deposit?
For more information or questions connect with us:
