Checking Accounts

We offer a simple, straightforward Checking (“Share Draft”) Account for qualifying members that’s full-service and not full of fees.

  • No Minimum Balance
  • FREE Visa Debit Card
  • Access to 5,000+ Surcharge-Free ATMs Nationwide
  • FREE Online Banking
  • FREE Online Bill Pay
  • FREE Direct Deposits
  • FREE account access at more than 4,300 Shared Branching locations nationwide
  • Overdraft Protection
  • Monthly Statements (E-statements or Paper statements available)
  • Phone Transfers
  • FREE Use of CES CU Mobile App
  • FREE unlimited withdrawals at any CESCU ATM location
  • FREE ATM cash withdrawals (4 per month) at ATM locations other than CES CU and two free non-monetary (ex: store purchases) per month.* 
*$1 fee/use above these levels

Dividends: Dividends (commonly called "interest") will begin to accrue on the date of deposit. Dividends are calculated using the daily balance method which applies a periodic rate to your daily balance for the dividend period. If you close your account before dividends are credited, you will not receive accrued dividends. Dividends will be paid on your entire balance for any day you maintain a minimum balance of $100 or more (with the exception of members under the age of 18, who will receive dividends on their actual daily balance regardless of the amount.) Dividends are declared and credited on the last day of each calendar month. Until a new rate is declared by the Credit Union Board of Directors, the rate last paid will be the current anticipated rate. Dividends are paid from current income and available earnings.

No monthly maintenance charge or transaction fees:  Some special service fees or abuse fees may affect your checking account where special handling of the account is required.

Check printing: Members have a variety of choices for their personalized checks and we'll be happy to show you your options. Just ask us the next time you call or stop in.

Overdraft Protection: This is available in several forms for this account. Funds may be transferred from your other credit union shares or club accounts. Automatic transfer from line-of-credit loan and/or up to $100 overdraft protection are also available. A fee will be charged for the loan transfer and the overdraft protection.

You don’t like fees and neither do we. That’s why we’re offering some of the lowest fees around. Go ahead and compare us to the competition.


Other fees may be applicable as well. Please refer to the "Important Information Regarding Your CES Credit Union Account" brochure for more information.
(All fees effective as of May 1, 2009)