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Checking Accounts & ATM Cards

Our Share Draft Accounts feel like a check, work like a check - BUT ARE BETTER THAN A CHECK!

Those 'FREE' Checking accounts that other institutions advertise aren't always FREE. Institutions across the country are advertising "NO FEE" checking as if it were a terrific deal. On the surface it seems to be...until you look into the "other fees" that come with the account.

Here's what to look out for:
Exorbitant fees on overdrafts
A limit to the amount of checks you can write
Requirements to enroll in a club, or to keep high balances in either loan or deposit accounts, along with other restrictions

Community First Credit Union offers:

  • No monthly fee
  • No per check charge
  • The advantage of writing as many checks as you need
  • Emergency overdraft protection with transfer from savings
  • Direct deposit of checks
  • 24 hour access with "Call Abby"
  • Online access
  • Debit Card from Master Card for purchases and ATM withdraw or deposits
  • No gimmicks, no toasters, tool kits or picnic coolers - just a great deal!

Reorder Checks Online

Debit & ATM Cards

MasterMoney Debit Card

A MasterMoney Debit Card is faster than writing a check and more versatile than a regular ATM Card. You can use it as a debit card to make purchases anywhere MasterCard is accepted, without the hassle of writing a check. It can also be used online just like a credit card, but the funds would be debited from your checking account.

You can use it as an ATM Card to get cash, make deposits, transfer money between accounts and check account balances 24 hours a day 7 days a week.

Look for these logos to use thousands of surcharge-free ATMs or Search for ATMs.

ATM network logos

MasterCard SecureCode is a free online security service to guard you against unauthorized use of your MasterCard debit card while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost, and no hassles... just added security.

Enhanced Security Chip Cards

Your cards are enhanced with a computer chip. When used at a chip-enabled terminal, the chip and the reader interact with each other, validating the card and securing the transaction with a one-time code. View our video below for more information.


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Digital Wallet

The simple and safe way to pay with your mobile device.

Your Digital Wallet turns your smart phone, tablet or smart watch into a secure payment option:

  • Your payment information is stored securely
  • The phone, tablet or watch communicates with the payment terminal
  • Paying with a digital wallet is actually safer than the card, because your real number is never revealed
  • Your device's security keeps your information locked away

Learn more with our short Digital Wallet Video


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Use only in ATM's to get cash, make deposits, transfer money between accounts and check account balances 24 hours a day, 7 days a week.


Direct Deposit

To take advantage of this service, simply stop in or call and we will guide you through the direct deposit process.

Your check will continue to be made out to you, but will be sent for deposit here to your account at no additional charge to you. This service may be cancelled at any time and you will begin receiving your payments at home again.

Arrangements can also be made for other recurring checks or payments to be deposited to your account. Remember, all deposits are NCUA insured.


Overdraft Privilege and Overdraft Protection

Community First Credit Union understands that checking or debit overdrafts occur from time to time – our Overdraft Coverage can help.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Community First Credit Union for a fee.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.

You must apply for one of these services if you wish to use it.

Learn more about your options.



Control your Debit Card with the CardValet App

Take control of your Debit Card with the CardValet App. Our new CardValet app lets you control your debit card, save time and gain peace of mind knowing you can control your card with the phone in your pocket.

CardValet lets you:

  • Turn your debit card on and off.
  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations.
  • Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you.
  • Stay informed of potential fraud with alerts on attempted, declined transactions.
  • Get real-time balances for your accounts.

Get Started Today! Download the CardValet app for your Apple iOS or Google Android device or search for CardValet on your device's app store.


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Money Orders

Money orders are available at our office.



Legal Disclosure: Substitute Checks & Your Rights
Substitute checks and your rights