Checking

Secure Checking

Carolina Federal Credit Union offers a checking account that fits your financial needs and goals! We now provide Secure Checking, a checking account with additional protection. Get online-access to your account 24/7, courtesy pay privilege and more. Secure Checking includes the following benefits and services for a low monthly fee of $4.95.

Secure Checking Video

  • 30,000 Surcharge-Free ATM’s
  • Overdraft Protection
  • Payroll Deduction (Direct to your Share Checking account.)
  • Automatic Draft (For mortgage payments insurance premiums, etc.)
  • Free On-line account access 24/7 with PC or cell phone
  • Free Audio-Response Calls Caroline Teller
  • No Minimum Balance
  • Free Monthly e-statements
  • Free Paper Statements
  • Free Online Bill Pay
  • Duplicate Checks
  • Monthly Dividends
  • IDProtect® Identity Theft Protection Monitoring & Resolution Service
  • Up to $10,000 of Accidental Death & Dismemberment Insurance
  • Debit Advantage Buyer’s Protection and Extended Warranty
  • Cell Phone Protection
  • Health Discount Savings (This is NOT Insurance)
  • Shopping RewardsTM
  • Travel & Leisure Discounts

All of these benefits listed above are yours with Secure Checking! Some benefits require a no-fee registration and must be requested or activated.

Registration and activation is easy!

  1. If you have misplaced your activation code call us! You will need your activation code to register.
  2. Follow the simple step-by-step instructions to register and activate benefits by going to www.SecureChecking.Com.

If you wish to receive further information concerning CFCU Checking Accounts, or any other products we offer, you can reach us through our Contact page. We’d love to hear from you!

» Join CFCU Today!

Basic Checking

Carolina Federal Credit Union offers a checking account that fits your financial needs and goals! We offer a basic checking account, with the following benefits and services to you at no cost*.

  • 30,000 Surcharge-Free ATM’s
  • Overdraft Protection
  • Payroll Deduction (Direct to your Share Checking account.)
  • Automatic Drafts (For mortgage payments, insurance premiums, etc.)
  • Free On-line account access 24/7 with PC or cell phone
  • Free Audio-Response Calls Caroline Teller
  • No Minimum Balance
  • Free Monthly e-statements
  • Paper Statement Fee with Basic Checking $1.00* (Optional)
  • Bill Pay Fee with Basic Checking $5.95* (Optional)

*If you would like to avoid these fees, please sign up for E-Statements and omit from Bill Pay.

 

If you wish to receive further information concerning CFCU Checking Accounts, or any other products we offer, you can reach us through our Contact page. We’d love to hear from you!

 

» Join CFCU Today!

Debit/ATM Card

Convenient, electronic access to your money—anytime, anywhere!

That’s what a CAROLINA FEDERAL CREDIT UNION MasterCard Debit Card can give you! The perfect card for members with a CFCU Checking Account. If you have a savings account our MasterCard Debit will only work at an ATM.

How does the MasterCard Debit card work?

It works like a check…only better! You can present your card to merchants for almost any type of purchase, and the amount is deducted directly from your CFCU Checking Account. (Just be sure to record your transactions in your checkbook register!) Not only can you make quick and easy purchases, you can also withdraw cash from any ATM*!

 

What are some of the benefits of a CFCU MasterCard Debit Card?

  • No more bulky checkbooks. Simply retain your receipts and record them in your checkbook register at a time that’s convenient for you
  • No more waiting for check approvals
  • No more hassle of showing ID
  • Its preferred over a check and is accepted anywhere you find the MasterCard logo
  • Access to your account balances in real time

 

Are there conditions or limitations I should know about?

  • There is a limit of 6 ATM transactions and 20 Point of sale transactions in a 24 hour period
  • Purchase amounts are limited to the amount in your account
  • There is a maximum limit of $500.00 per day that you may withdraw from an ATM, and a max limit of $2000.00 per day for point of sale purchases.  If you need to increase the limit temporarily please call a member service rep.
  • Cash withdrawals at an ATM will access your checking account and savings account.

What is the cost?

  • There is no monthly fee
  • Six (6) ATM transactions per month are allowed free of charge
  • A replacement card fee of $8.00 is applicable
  • If using a CASH POINTS ATM, you will not be charged an additional fee

 

How do I apply for a CFCU MasterCard Debit Card?

If you are a Carolina Federal Credit Union member in good standing, have a CFCU Checking Account, and meet our minimum qualifications, you may apply for your MasterCard Debit Card. Simply contact our Member Services Representative to apply! You must be at least eighteen (18) years of age.

It takes approximately 7 to 10 business days to receive a new CFCU Debit Card. If you do not receive the plastic within this time-frame, please contact Member Services immediately! Your pin will arrive a few days after the card.

 

ATM’s for our Members

There are many ATMs available for our members to use. You as a member can use any Cash Points located in North Carolina. You can use this locator to find Cash Points. You may also go to this link for surcharge free ATMs Cash Points.  We are also a part of the COOP network find branches here.

LOST OR STOLEN CARD?

To report a lost or stolen card, call 1-800-378-1955
Monday thru Friday during business hours.
After hours and on the weekends call 1-800-472-3272.

» Join CFCU Today!

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Spring 2018 Newsletter