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 Classic 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® Debit 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 Capitol Checking account and earn dividends when you have a $1,000 minimum daily balance.*
Our Congressional Independence
account is designed to provide members 62 and older with a variety of product and services.
When your children are ready for a checking account, the Congressional Freedom
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.
Classic Checking Rates & Terms
Capitol Checking Rates & Terms
Reserve Line of Credit Rates & Terms
Additional Security: Register to receive Visa® Alerts for your CFCU Debit Card
Fraud Alerts: Register to receive automated real-time fraud alerts for your CFCU Visa Debit Card
A $10 monthly fee is waived on your Capitol 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.