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Purpose-Driven Checking Accounts

Our FREE Checking & Harvest Checking accounts have a mission of their own. When you use your FREE Visa Debit Card, you give to missions and earn rewards on every purchase…at no cost to you. Now that’s checking with a higher purpose!

Apply Now for a Checking Account

Choose the Checking Option Right for You

Free Checking

Welcome to totally free checking! We don’t have a minimum balance and we don’t charge monthly service fees. Plus, you can get to your account 24/7 with our mobile app.

Apply for Free Checking

Harvest High Yield Checking

Put your money to work for God’s kingdom! With Harvest High-Yield Checking, you earn 4.00% APY*,3 and support spreading the Gospel.

Apply for Harvest Checking
FeaturesFree CheckingHarvest High-Yield Checking
NO Monthly Service Feesicon check greenicon check green
NO Minimum Balance Required1icon check greenicon check green
Free VISA Debit Card with Extended Warranty & Buyer’s Protection Insuranceicon check greenicon check green
Earns Rewards2 and Gives to Missionsicon check greenicon check green
Free Mobile, Tablet, and Online Bankingicon check greenicon check green
Earns Interestn/a4.00% APY3
30,000+ Co-op ATMs & Over 5,600 Co-op Shared Branches nationwide4icon check greenicon check green
Open an AccountOpen an Account

Gives to Missions with Visa Debit Card signature-based purchases.

Explore Our Services

Digital Banking

Manage your finances anywhere, anytime! 

You’re never too far from your money with our free digital banking apps that make life easier. Data carrier rates and fees may apply.

Learn More about Digital Banking

Direct Deposit

Fast and Convenient 

Get your money quicker. Simplify your budgeting. Avoid ATM lines. When you choose our Direct Deposit for your payroll, Social Security, or pension check, you get all of these benefits and more.

Be sure to sign up within Online Banking!

DoubleCheck

Automated alerts to help you resolve Non-Sufficient-Funds (NSF) before they’re declined.  

Receive alerts by text or email so you can rectify the situation before your transaction is declined.

*When using DoubleCheck, a $20 service charge applies and an additional 2.5% credit card transaction fee if a credit card is used.

Learn More about DoubleCheck

Courtesy Pay

An extra level of protection for your Checking Account. 

You can easily opt-in within Online/Mobile Banking when you’ve opened your account.

Learn More about Courtesy Pay
Courtesy Pay Terms & Conditions

Need to Re-Order Checks

Still using checks? Protect your money with high security checks.

Learn More about re-ordering checks

Terms & Conditions

Offer effective 12/30/2024 and is subject to change without notice.  

  1. No minimum balance required after $100 opening balance.  
  2. One CURewards point for every $2 in signature-based purchases with the Visa Debit Card. If you do not qualify for a Visa Debit Card, you may receive an ATM Card. No CURewards points are earned using an ATM Card. 
  3. APY = Annual Percentage Yield. APYs are accurate as of 08/08/2023 and are subject to change without notice. Fees may reduce earnings. No minimum balance required after required $100 opening deposit. Higher-yield APY will be paid on maximum balance of $5,000. Balances in excess of $5,000 will earn the lower dividend rate of 0.05%.
  4. ATMs available through the CO-OP Network. A surcharge fee from the ATM owner may apply on non CO-OP ATMs. 

Qualification criteria for higher APY:

  1. You must register for e-statements
  2. Have an active online banking
  3. Have an activated Christian Community Credit Union (CCCU) debit card OR a CCCU credit card AND
  4. $500 in accumulated deposits during the month.