Checking Accounts

Are you looking for a contactless debit card and convenient digital services, or do you prefer an account that pays back dividends? Maybe you’re looking for all the above plus extraordinary benefits?

Our checking products run the gamut from just the basics to premium options loaded with extras and special discounts. Whatever you choose, we have something to make everyday money management easier and more rewarding.

Find the Congressional Federal Credit Union checking account that’s right for you.

Show me the most popular accounts for: Adults Seniors Young Adults Youth	Classic Checking Open an Account Learn More about Classic Checking	Heritage Checking Open an Account Learn More about Heritage Checking	Capitol Checking Open an Account Learn More about Capitol Checking	Independence Checking Open an Account Learn More about Independence Checking	Freedom Checking Open an Account Learn More about Freedom Checking
Monthly Account Fee	$0.00	$6.00*	$10.00**	$0.00	$0.00
Minimum Balance	$0.00	$0.00	$1,000	$0.00	$0.00
Identity Theft Resolution services¹
Anywhere Banking
E-Statements
Contactless Visa® Debit Card
Box of Checks	--	--			--
Out-of-network ATM Fees	5 Free	10 Free	Unlimited	5 Free	5 Free
Cashiers Checks	$10.00	Free	Free	Free	$10.00
Mortgage Closing Discount	--	$250	$500	--	--
Gap Insurance On Auto Loans	--	--		--	--
ID Protect	--				--
Identity Monitoring	--			--	--
Dark Web Monitoring	--			--	--
$10k Identity Theft Expense Reimbursement²	--			--	--
Credit File Monitoring	--			--	--
Credit Reports	--			--	--
Financial Welness 360	--			--	--
Rideshare Protection	--			--	--
Cellphone Protection	--			--	--
$10k Add Common Carrier	--			--	--
Travel & Leisure Discounts	--			--	--
Telehealth Plan³	--				--
earns dividends	--	--		--	--

*Fee waived with 25 debit swipes per month totaling $250. **Fee waived with 25 debit swipes per month totaling $250 and a daily account balance of $25.000.
¹Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. ²Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit. Guide to Benefit is available at congressionalfcu.clubchecking.com. Insurance products are not insured by NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate. ³Available for the account holder and their spouse/domestic partner and up to six (6) dependent children age 2 and older. This is not insurance.

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Routing Number: 254074345

Checking Accounts