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Checking Accounts

young couple opening checking account

Checking Account Options:

Elite Checking Essential Checking

Elite Checking

This upgraded Checking Account gives you not only power to control your finances, but also options to save and protect your money - plus extra convenience you might not expect! Of course, we keep everything easy-to-understand so you don’t have to worry about minimum balances.

Your benefits include:

  • Cell Phone Protection - Pay your cell phone bill with your CES Elite Checking account and be reimbursed for covered damage/theft.
  • ID Theft Aid - Includes personal identity theft benefit, payment card fraud resolution and identity restoration. Reimbursed for covered protection & service.
  • Buyer’s Protection and Extended Warranty - Items are protected for up to $2500 per item if theft or accidental breakage occurs for covered purchases.
  • Billshark - Let our team of experts negotiate your internet, TV, cell phone and home security services on your behalf, or cancel subscriptions you no longer want or need.
  • Shop Local, Save Local - Local discounts and national retailer deals to save you money on shopping, dining, travel and more.
  • Bonus Rates on Your CoinStash Accounts - Earn an even higher rate on this Savings Account
  • Accidental Death Coverage - Peace of mind for the unexpected for covered accidents in a common carrier or private passenger in an auto.
  • Roadside Assistance - Provides roadside assistance 24/7, up to $80 in covered service charges include towing, battery service, lock assistance & more.
  • Health Savings Card - Save money on Prescriptions, eye exams, frames, lenses and hearing devices.
  •      Click the Bazing Icon for more information on your benefits. 
You can secure these added benefits for just $5.00 per month!

(Some benefits may require activation before use.) 

Additional Benefits for this account:

  • No Minimum Balance or Transaction Limits
  • VISA Debit Card is available
  • 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

GET STARTED

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Essential Checking

This Essential Checking Account comes with extra perks. We keep everything easy-to-understand so you don’t have to worry about minimum balances and monthly fees.

Benefits 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

GET STARTED

* 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 6.18% 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. 6.18% Annual Percentage Rate (APY) is the current anticipated APY (Rate at 6.00%) with Essential Checking. (Rates may be higher with Elite Checking.)  Dividend rates are declared by the CES Credit Union Board of Directors on the last day of each calendar quarter.

 

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