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Debit/Checking Accounts

CCU offers a variety of checking accounts to fit your personal needs. All of our checking accounts feature our unbeatable FREEMIX of services:

Checking Accounts

Free Checking
Free Checking
A perfect mix of value and convenience. NO minimum balance, NO balance requirement, NO monthly fees, NO direct deposit requirement. $25 minimum deposit required to open. See our FREEMIX of services included.
Clear Advantage Checking
Clear Advantage Checking
A clear and simple checking account that earns interest. Must maintain $750 minimum daily balance to avoid a $7 per month service fee. Interest earned when you maintain an average daily balance of $750 or more. No direct deposit requirement. $25 minimum deposit required to open. See our FREEMIX of services included.
Clear Checking 50+
Clear Checking 50+
A checking account with the option to earn interest, reserved for members over the age of 50. Receive free beach scene checks with this account and early payday for SSI and military retirement direct deposits. Must maintain $750 minimum daily balance to avoid a $5 per month service fee. Earns dividends on balances above $5,000. No direct deposit requirement. $25 minimum deposit required to open. See our FREEMIX of services included.
Student Checking
Student Checking
A free debit/checking account for students 13 - 17 years old. Debit cards issued with guardian consent. Ask about the High School Mascot Debit Card! No minimum balance requirement. No monthly service fees. $25 minimum deposit required to open.
Founders' Checking
Founders Checking
Created specifically for the founders of CCU - educators. A free checking account for anyone who works for a public or private school, college, university, preschool, or day care. Receive free beach scene checks with this account plus many other perks. No minimum balance requirement. No monthly service fees. $25 minimum deposit required to open. See our FREEMIX of services included.
Premium Checking
Premium Checking
Earn premium interest on your checking account - the higher your balance, the higher your dividend rate. This account is for those who maintain high checking a balances and want to maximize their interest. Must maintain a minimum daily balance of $10,000 to avoid a $25 per month service fee. $25 minimum deposit required to open. See our FREEMIX of services included.
Second Chance Checking
Second Chance Checking
If you have issues in your credit or account management history that have prevented you from being approved for a checking account, CCU has a solution for you*. This account has features to help protect you from overdrafts. A monthly service fee of $10 will be automatically charged to your account by CCU. After your Second Chance Account has been open for 12 months, you may request an account review to see if your account type can be changed to one of CCU's standard checking accounts. This account does not allow access to overdraft services or envelope deposits at ATMs. Other than that, you will have the same great FREEMIX of services that are available with all CCU Checking Accounts.
NOTE: Account holder must qualify for CCU membership. Not all applicants for this account will qualify. If we are unable to open an account for you, we will explain the issues and provide information regarding any steps you can take to correct the situation.

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How to Open Your Account:

By Phone:
Speak to a Member Service Representative:  321.690.2328 (outside Brevard, 1.800.690.2338)

In Person:
Stop by one of our seven branch locations.  Our Rockledge and Palm Bay branches are open Saturdays from 9 am to noon.
Online:
Existing CCU Members:  Use the Mobile App or log in to eBranch Online Banking and your personal information will be pre-filled for you.  Or, you may use the application found by selecting the "Open An Account" link below, but you will be asked to provide your personal information, including your Member Number. Select “Existing Member”.
Mobile App:  Go to More and select Open An Additional Account
eBranch Online Banking:  Select the Online Application link at the upper right of the screen.
Prospective CCU Members:  Select the icon below, then select the “Become a Member” link.

For Additional Assistance:
Please contact a Member Service Representative at 321.690.2328 (outside Brevard, 1.800.690.2338) or send an email to memberservices@ccuflorida.org.  For your security, DO NOT send account numbers or other private information using this general email address.  Private, unpublished personal information should ONLY be sent through Secure Email, which is available within the Mobile App and eBranch Online Banking. 



24-Hour Account Information: 321.631.4611

Member Services: 321.690.2328

Apply for a Loan: 321.637.3211

Routing Number: 263182037

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