Checking Accounts

With a Chaffey FCU Checking Account you have the financial tools and resources you need to keep your day-to-day financial life running smoothly. Best of all, our checking benefits are worry free, hassle free, and most are just plain FREE!

Chaffey Plus Checking

Chaffey PLUS Checking provides a wide-range of benefits from helping to protect your identity to providing smart discounts on financial services and everyday purchases. A $6 monthly service fee applies. In addition to all the basic checking benefits, Chaffey PLUS gives members:

  • Dividends
  • Complimentary checks
  • Complimentary Lost Debit Card Replacement
  • IDProtect®: Identity Theft Monitoring and Resolution Service1 that includes:
  • Credit Report2
  • Credit Score2,3
  • Identity Monitoring2 of over 1,000 public databases
  • Up to $10,000 in Identity Theft expense reimbursement Coverage4
  • Credit Score Tracker3,5
  • Financial Wellness 360o (available via mobile or web only)
  • and more!
  • Cell Phone Protection4: Receive up to $400 of replacement or repair cost for damaged or stolen phones (Cell phone bill must be paid by your Chaffey Plus Checking account).
  • Up to $10,000 Accidental Death & Dismemberment Insurance4
  • Debit Advantage® - Buyer's Protection4 and Extended Warranty4
  • Travel and Leisure Discounts2 (available via mobile or web only)
  • $hopping RewardsTM 2 (available via mobile or web only)
  • Health Discount Savings2 (This is NOT insurance)
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    1Benefits are available to personal checking account holder(s), and their joint account holders subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account holder or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. 2Registration/activation required. 3You will have access to your credit report and score provided your information has been verified by the CRA. Credit score is a VantageScore 3.0 based on Experian data. Third parties may use a different type of credit score to assess your creditworthiness. 4Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Guide to Benefit and insurance documents can be found online at ChaffeyPlus.ClubChecking.com. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate. 5Once this benefit has been activated and you have requested your first credit score, you may request a new credit score each month to be plotted on your Credit Score Tracker graph. Monthly email notifications will be sent to let you know when your new score is available.

     
     
     
     
     

    Basic Checking

    You'll enjoy maximum convenience and fewer fees, including:

    • 24/7 access to your funds

    • Free usage of Chaffey ATMs and over 30,000 CO-OP Network ATMS

    • Online bill payment

    • Unlimited check writing

    • Courtesy pay (eligibility required)

    • Mobile/online banking

    • Remote (mobile) check deposit

    • Complimentary e-statements (paper statements are available for a fee)

    **Refer to the current schedule of fees. Member must have email access.

     
     
     
     

    Overdraft Protection

    Safeguard your account against costly overdraft and non-sufficient funds (NSF) fees.  With FREE overdraft protection*, you can designate a savings account or line of credit to automatically cover overdrafts or returned checks.  Chaffey FCU may also pay* (rather than return) NSF transactions on your checking account if all other overdraft protection sources are exhausted.

    *Restrictions apply.  A Courtesy Pay fee may be charged when Chaffey FCU pays a NSF transaction on your behalf; you have the option to opt-out of this service.  Contact CFCU for more information.

     
     

    Retrieve Copies of Canceled Checks . . . Free!

    Sign-up for Online Banking and retrieve, review and print copies of your cancelled checks from the privacy of your home or office. Your personal information is secure and protected with state-of-the-art firewall technology. Click here to sign up for Online Banking.

     
     

    Reorder Checks Online

    We make it easy! Reorder checks online.

     
     

    1 Dividends are subject to Member Rewards Program Levels. For details, refer to the deposit account rate sheet at www.chaffey.com. 2 Free checks are limited to one box per year for all members. Members age 55+ qualify for FREE senior checks. 3 Lost/damaged debit cards will be replaced with no fee for up to 5 times for the life of the account. 4 Benefits are available to personal checking account owner(s), their joint account owners and their eligible family members subject to the terms and conditions set forth in the Guide to Benefit and/ or insurance documents for the applicable Benefits. Benefits are not available to a “signer” on the account who is not an account owner, or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes: Spouse, person qualifying as domestic partner, and children under 25 years of age and parent(s) who are residents of the same household. 5 Credit file monitoring may take several days to begin following activation. 6 Special Program Notes: The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is offered through the company named in the Guide to Benefit or on the insurance document. 

    Insurance Products are not insured by the NCUA or any Federal Government Agency; not a deposit of or guaranteed by the credit union or any credit union affiliate.