CCCU has a checking account that meets your needs and lifestyle, whether you’re looking to go paperless, earn rewards, or just keep it simple and convenient. No Cost Checking Account • No minimum monthly balance • No monthly service charge • Free MasterCard Debit card with Rewards or ATM card with four (4) Free ATM withdrawals and four (4) inquiries per month at foreign ATMs Dividend Bearing Checking Account • $500 minimum deposit to open and earn dividends • No service charge • Free MasterCard Debit card with Rewards or ATM card with eight (8) Free ATM withdrawals and eight (8) inquiries per month at foreign ATMs • Dividends accrue daily and credited monthly • A monthly fee of $10 will be charged if balance drops below $500 during the monthly cycle CCCU Checking Accounts offer these additional benefits o Free CU Online (Home Banking 24/7 access) o Free Audio Response (Touch Tone Teller) o Free eStatements o Free Direct Deposit & Payroll Deduction o Free unlimited ATM access at CCCU- owned ATMs o Overdraft Protection Free Mastercard Debit Card /ATM Card  • Access your funds 24/7 • $500 cash withdrawal limit per day, higher limit upon request • No monthly fee • Free unlimited ATM access at CCCU owned ATM's • (4) free ATM withdrawals and inquiries per month with No Cost Checking • (8) free ATM withdrawals & (8) free inquiries with the Dividend Bearing Checking • Over 30,000 surcharge-free ATM’s on the CO-OP Network Due to security reasons and high fraudulent activity, your Debit Card/ATM Card will not be available in the following countries or cities: • Malaysia • China If traveling to another country please contact the credit union, so that we may flag your account.  CO-OP Network Mobile Application CCCU is available wherever you are with our FREE Mobile Banking Application. Managing your accounts has never been easier. • Check Balances • View Transactions • Transfer Funds • Make Loan Payments • Search for Branch/ATM Locations • Secure Messaging for support You must be an existing CU Online (home banking) user to have access to the Mobile Application. Sign up today and, in addition to free Mobile Banking, begin using these FREE online services: • Home Banking | Account Alerts | Financial Calculators | e-Statements | Bill Pay Overdraft Coverage Options Life happens! Central Communications Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.  The choice is yours. Consider these ways to cover overdrafts: • Overdraft Protection Link to Another Deposit Account you have at Central Communications Credit Union  ($2 fee per transfer) • Overdraft Protection Line of Credit (Subject to fees + interest; subject to credit approval) • Overdraft Privilege ($30 Overdraft Fee per item).  Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Should you choose Extended Overdraft Privilege Coverage, ATM withdrawals and everyday debit card transactions will be included with the Standard Coverage transactions listed above. Complete a consent form and return to any branch location or email to cccu@centralccu.com

CCCU Checking Accounts

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