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Core Account

Checking Account

Earn interest when you use this core checking account.

Open a Credit Union of America checking account and see how easy it is to spend money!

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Core Account Benefits

  • High Interest - Earn competitive interest rates on your deposited funds through this high-yield checking account.
  • Cash Back - We deposit money back into your account when you meet monthly usage requirements.
  • Overdraft Coverage - If you spend more than you have in the account, overdraft protection will cover the difference.
  • Digital Banking - Manage your finances online and via the mobile app with robust digital banking tools.
  • Convenient Branches - Access banking services located conveniently near your home or workplace.

Core Account Details

Pay.

  • Paycheck before Payday. Get paid up to two days earlier with EarlyPay2
  • Free transfers between financial institutions
  • Full access to CUA mobile banking
  • Free, unlimited bill pay

Spend.

  • No minimum balance
  • Same-day debit cards
  • Unlimited check writing
  • Mobile Wallet
  • No ATM fees from CUA3

Earn.

  • Round up purchases with Change Jar
  • Interest-bearing with a minimum average balance of $1,000
  • CUA Perks debit card rewards

Ready to earn money while simplifying your banking? Open a new interest-bearing checking account today and enjoy competitive rates and many benefits. Click below to get started!

New to CUA

Open a Core Account

Already have an account?

Log In

 

 

Core Account $100 Minimum to Open
Balance Range1 Nominal Rate/APY**
$1,000.00 to $4,999.99 0.05% / 0.05%
$5,000.00 to $9,999.99 0.10% / 0.10%
$10,000.00 or more 0.15% / 0.15%

1 Average daily balance of $1,000.00 must be maintained to earn dividends. Dividends paid monthly.

** APY = Annual Percentage Yield

1 Average daily balance of $1,000.00 must be maintained to earn dividends. Dividends paid monthly.

** APY = annual percentage yield

2 EarlyPay direct deposits ACH funds into your deposit accounts up to two days early depending on the timing of the submission of the payment from the payer. Funds availability may be affected by holidays and weekends. 

3 We will not charge a fee for foreign ATM usage. A surcharge may apply from the ATM owner.

Application Process

  1. Apply: Complete an application online or visit a branch near you to open your new rewards checking account.
  2. Fund your account: Make an initial deposit of $100 to get started.
  3. Start spending: Take advantage of great benefits like competitive interest rates, mobile banking tools, and worldwide ATM access.

Ready to get started?

New to CUA

Open a Core Account

Already have an account?

Log In

Why Join Credit Union of America?

At Credit Union of America, you come first. Our not-for-profit structure means earnings return to members through better rates and lower fees. Joining our financial family lets you enjoy great features like nationwide ATM access, award-winning online banking, and competitive lending.

Looking for a financial institution that puts your interests first? Then open a checking account with Credit Union of America and benefit from our great rates, service, and products.

 

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