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Classic Checking Account

young couple opening checking account

With our Classic Checking Account you’ll enjoy convenient access to your money anytime, anywhere making it a great fit for your busy life. Benefits of this account include:

  • No Minimum Balance or Transaction Limits
  • VISA Debit Card
  • Direct Deposit
  • Online Banking
  • Mobile Banking App - Download on the Apple App Store or Google Play
  • Bill Pay features where you control the amounts and timing of bill payment, and no monthly fee**
  • E-Alerts with no fee. You set the parameters, frequency and delivery method- email, text or both. ***  (This is a great tool to monitor what items are posting to your account.)
  • Account Access at more than 5,000 Shared Branching Locations
  • Access to 5,000+ Surcharge-free ATMs Nationwide on the Alliance One ATM Network
  • Overdraft Protection (savings account, courtesy pay, or line of credit*)
  • Monthly Statements (E-statements or Paper, your choice - and with no additional fee)
  • Earns Dividends 
* Courtesy Pay and line of credit are subject to credit qualifications. ** No Bill Pay fee for regular users. Infrequent use (less than 1 items every month) may result in a small monthly fee. *** Your wireless carrier's standard messaging rates apply.



Work towards your financial freedom one swipe at a time with Coin Stash!

Coin Stash is a program designed to help you save money! With a Coin Stash savings account you can earn a 5.12% APY* (Annual Percentage Yield) on your loose change.

How does Coin Stash Work?


  1. Open your Coin Stash Savings account.
  2. Swipe your CES Debit Card.

For example: Your purchase at XYZ Store is $10.25.The $10.25 transaction amount is deducted from your CES Checking account. CES (at end of day) will round up that purchase, and transfer the difference (75 cents) from your Checking account into your Coin Stash account.

  1. Watch that Coin Stash account grow! You are in control. You fund your Stash by swiping your card and letting the round up amount(s) transfer from your Checking. Withdraw from the Coin Stash when you want.

How Do I Enroll?


It's pretty simple really. First, you'll need to have an active CES Credit Union Personal Checking Account and a CES Debit card.

  • If you have ACCESS Online (online banking) with CES Credit Union, go to www.cescu.com, then log into your account. Under the Services tab, follow the steps to enroll in Coin Stash.
  • Or just let any CES Credit Union associate know you want to enroll.

When you enroll into the Coin Stash program, all debit cards linked to your checking account will be enrolled into Coin Stash. If you need assistance or have any questions with the enrollment process, please contact us at 888.397.1136 or by email at memberservice@cescu.com.

*Federally insured by NCUA. 5.12% Annual Percentage Rate (APY) is the current anticipated APY. Dividend rates are declared by the CES Credit Union Board of Directors on the last day of each calendar quarter.


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