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Routing Number: 254074345

Checking Accounts

Sick and tired of miscellaneous bank fees on your checking account? Open a FREE checking account with Congressional Federal and manage your account without the hassle of additional fees.

Your Free Checking account comes with:
  • NO minimum initial deposit
  • NO direct deposit requirement
  • NO minimum balance requirement
  • NO monthly check card fees
  • NO transfer fees and overdraft protections
  • FREE Online and Mobile Banking
  • FREE Bill Pay
  • FREE Visa® Check Card with ATM access
  • Access to over 30,000 ATM and 5,000+ shared branches
  • And More!
If you are looking for an interest-bearing account, check out our Interest Checking account and earn dividends when you have a $1,000 minimum daily balance.*

When your children are ready for a checking account, the Student Checking account fits the bill. Designed for young adults 13 - 17 years old, this account can help prepare them for the bigger financial decisions they'll face later in life.

Having a check card shouldn't mean acquiring extra debt. Let us help with a simple checking account to help you manage your life.

To open an account: New members, click the button to the left. Existing members can open an account through online banking, by calling member services or by visiting a branch.

Have you heard of a Reserve Line of Credit? It's an excellent form of overdraft protection because funds are transferred automatically from your Reserve Line of Credit into your checking account whenever a check you've written, a Visa® Check Card transaction, or automatic withdrawal threatens to overdraw your account.

Order Checks: It’s easy to order checks. Go to our check printer, Deluxe, or you can order through online banking. Once you log-in to online banking, go to “checking history” and at the top of that page you will see a link to order checks.

Additional Security: Register to receive Visa® Alerts for your CFCU Debit Card


Free Checking Rates & Terms
Interest Checking Rates & Terms
Reserve Line of Credit Rates & Terms

A $10 monthly fee is waived on your Interest Checking account if you have a Home Equity Line of Credit or if you maintain a combined deposit and loan balance of $10,000 or more. The combined deposit includes any combination of checking, savings, certificate account balances, car loans, personal loans or home equity loans under the same account number.