Free Checking

The Best Things In Life Are FREE

It’s got everything you need in a checking account, without the fees. Our free checking account is an amazing value, packed with great features that work together to make your life easier – for free!

  • $5 minimum deposit to open account  
  • Direct deposit available
  • Overdraft and Courtesy Pay service available after 30 days
  • Monthly eStatements delivered to your inbox
  • Federally insured up to $250,000 by NCUA
  • Members over 55 will be automatically switched to a Senior Free Checking and will receive the following benefits:
    • FREE Cashier’s Checks
    • FREE Money Orders

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Mobile Banking

Download the CRCU’s Mobile Banking app to access your account anywhere, anytime! 

Learn More


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Overdraft Protection

We understand life happens. If you overdraft your account and have Overdraft Protection set up you can have funds from your savings or line of credit transfer over. Sign up today! 

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CRCU Mastercard Debit Card

Use your debit card anywhere that Mastercard® cards are accepted. Plus, get cash at thousands of surcharge-free ATMs through the All-Point network.

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Online Banking

CRCU Online Banking let you transfer money, review transaction history, set up account alerts, deposit checks, and more. Enroll today! 

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Free atm network

Get the money you need anytime, anywhere with access to over 30,000 surcharge free ATMs across the U.S. 

Learn More

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Direct Deposit

Have your paychecks – or any recurring checks – deposited right into your CRCU checking or savings account with Direct Deposit. 

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order checks

Order checks online or order over the telephone 24/7 by calling 800-275-1053.  You'll need the CRCU routing & transit number, 313077513, and your account number.

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Become a CRCU Member

Join our happy family today! Applying for membership couldn’t be easier.
  • A wide field of membership - see if you qualify!
  • Complete your application online with ease
  • Access to exclusive benefits and discounts from Love My Credit Union Rewards

Order Checks

When you need to order or reorder checks online, we utilize a trusted provider - Harland Clarke.  From personal checks to business checks, including safety checks and security checks, Harland Clarke provides the styles and accessories you're looking for.

Prefer to Call?

You can also order over the telephone 24/7 by calling 800-275-1053.  You'll need the CRCU routing & transit number, 313077513, and your account number. 

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How Much Money Should I Keep In My Checking Account?

How much should you be keeping in your checking account? Too little and you could be in trouble. Too much and you lose interest earnings. We can help you figure it out!

Read Full Article

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Debit Card Safety

Your debit card is a great way to pay, but be smart about where you use it! A little caution can go a long way to protect your financial information.

Read Full Article

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9 Mortgage Terms Every Home Buyer Should Know

Buying a home is exciting, but it can also be a little daunting. Read on for a quick lesson in mortgage terminology to get you started. 

*Requires a minimum of one online bill pay transaction per 30 day period in order to be considered active, and to avoid the bill pay monthly service charge of $3.95.  The bill pay service charge only applies to those accounts currently subscribing for the bill pay service that are deemed inactive. 

Frequently Asked Questions

May I have more than one free checking account? 

What minimum deposit is required to open the account?
We require a $5 minimum opening deposit.

Is there a monthly fee?
No, there is no monthly service fee.

What is the routing number?

What is the hold policy? 
See our Funds Availability Policy Disclosure