Four Fantastic Checking Options:

Whether it's earning high yields on account balances or cash back on purchases, we have all the tools you need to take your finances to the next level.

Kasasa Cash Back®

Kasasa Cash Back®

  • Earn 4% cash back2 on debit card purchases
  • No monthly maintenance fees
  • No minimum or maximum balance
  • Automatic savings when you link to a Kasasa Saver® account
  • Up to $20 (monthly)2 in refunds on ATM fees nationwide
  • Free debit card with digital wallet
  • Get paid up to 48 hours early with Early Pay

APPLY NOW

Kasasa Cash®

Kasasa Cash®

  • Earn up to 1.50% APY1 on account balances up to $20,000 and 0.50% APY1 on balances over $20,000 when you qualify
  • No monthly maintenance fees
  • No minimum or maximum balance
  • Up to $20 (monthly)1 in refunds on ATM fees nationwide
  • Free debit card with digital wallet
  • Get paid up to 48 hours early with Early Pay

APPLY NOW

Zoom Rewards

Zoom Rewards

  • Perfect account for ages 14-22
  • Earn $.50 for each of your first eight debit card transactions every month3 – that’s up to $4.00 back into your account
  • Fee-free Cinfed ATM access
  • Free debit card with digital wallet
  • Get paid up to 48 hours early with Early Pay

APPLY NOW

Basic Checking

Basic Checking

  • Put the power of free checking in your hands
  • No monthly maintenance fees
  • No minimum or maximum balance
  • Up to 2 ATM fees covered per month
  • Mobile deposit access
  • Overdraft protection
  • Free debit card with digital wallet
  • Get paid up to 48 hours early with Early Pay

APPLY NOW

Open A Checking Account Today!

APPLY NOW!

OPEN AN ACCOUNT  

Open a Checking Account Today!

Compare Our FREE Checking!

No monthly maintenance fees. No minimum or maximum balances. No worries.

Just added-value perks like: digital wallet, mobile banking, and a free debit card.

  KASASA
CASH®
  KASASA
CASH BACK®
  ZOOM REWARDS
CHECKING
  BASIC
CHECKING
REWARDS Earn a high yield on your balance1   Cash back on every day purchases2   Cash back on first 8 purchases3   -
MAINTENANCE FEES $0   $0   $0   $0
ONLINE + MOBILE ACCESS Yes   Yes   Yes   Yes
ATM FEES Refunded up to $201   Refunded up to $202   -   2 network fees covered per month
DEBIT CARD Yes   Yes   Yes   Yes
DEBIT OVERDRAFT PROTECTION Yes   Yes   -   Yes
DIGITAL WALLET Yes   Yes   Yes   Yes
MOBILE DEPOSIT Yes   Yes   Yes   Yes
ONLINE BILL PAY Yes   Yes   Yes   Yes
EARLY PAY Yes Yes Yes Yes
KASASA
CASH®
REWARDS
Earn a high yield on your balance1
MAINTENANCE FEES
$0
ONLINE + MOBILE ACCESS
Yes
ATM FEES
Refunded up to $201
DEBIT CARD
Yes
DEBIT OVERDRAFT PROTECTION
Yes
DIGITAL WALLET
Yes
MOBILE DEPOSIT
Yes
ONLINE BILL PAY
Yes
EARLY PAY
Yes
KASASA
CASH BACK®
REWARDS
Cash back on every day purchases2
MAINTENANCE FEES
$0
ONLINE + MOBILE ACCESS
Yes
ATM FEES
Refunded up to $202
DEBIT CARD
Yes
DEBIT OVERDRAFT PROTECTION
Yes
DIGITAL WALLET
Yes
MOBILE DEPOSIT
Yes
ONLINE BILL PAY
Yes
EARLY PAY
Yes
ZOOM REWARDS
CHECKING
REWARDS
Cash back on first 8 purchases3
MAINTENANCE FEES
$0
ONLINE + MOBILE ACCESS
Yes
ATM FEES
-
DEBIT CARD
Yes
DEBIT OVERDRAFT PROTECTION
-
DIGITAL WALLET
Yes
MOBILE DEPOSIT
Yes
ONLINE BILL PAY
Yes
EARLY PAY
Yes
BASIC
CHECKING
REWARDS
-
MAINTENANCE FEES
$0
ONLINE + MOBILE ACCESS
Yes
ATM FEES
2 network fees covered per month
DEBIT CARD
Yes
DEBIT OVERDRAFT PROTECTION
Yes
DIGITAL WALLET
Yes
MOBILE DEPOSIT
Yes
ONLINE BILL PAY
Yes
EARLY PAY
Yes
 

Your Debit Mastercard. Your Benefits.

Cinfed Debit Mastercard® is free with all checking accounts - giving you the convenience and protection you deserve. It's like having cash, but only better:

Need a new or a replacement card?

REQUEST A NEW CARD HERE

 

Debit Overdraft Protection Services

Unexpected overdrafts happen from time to time. We have you covered when they do.

GET COVERED

Debit Overdraft Protection Services

What is an overdraft?

An overdraft occurs when a transaction is paid and there is not enough money available in your account to cover the withdrawal. 

Standard Overdraft Protection

Standard Overdraft Protection is a feature of qualifying checking accounts and does not require you to enroll. Standard Overdraft Protection will cover the following transactions:

  • checks
  • ACH-auto debits 
  • automatic bill payments

If we do not authorize and pay an overdraft, your transaction will be declined. Debit card transactions are not covered under the Standard Overdraft program.

Debit Overdraft Protection Program

The Debit Overdraft Protection Program offers additional coverage for everyday debit card transactions.4 The program allows checks and other items that would overdraw your account to be paid, for a fee, rather than returned for non-sufficient funds. By opting in to the Debit Overdraft Protection Program, your debit card transactions will be approved even if the funds are not currently available in your account. This added coverage can be quite useful in the event of an emergency or unforeseen expense.

What's covered?

Checks, ACH-auto debits, automatic bill payments, debit card transactions

Fees

The only time you will pay a fee is when you use the service. An overdraft fee of $33.00 will be charged for each transaction that overdraws your account. There is no limit to the amount of fees that can be charged.

Mobile App

Access to your account wherever, whenever you need it.
Fingerprint Login, Mobile Deposit, Automatic Bill Pay, & Transfer Funds
Mobile App
 

1 APY = Annual Percentage Yield. APYs accurate as of 9/1/2021. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications. For Kasasa Cash account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 1.50%; and balances over $20,000 earn 0.10% dividend rate on the portion of balance over $20,000, resulting in a range from 1.50% to 0.33% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash account on the last day of statement cycle. When Kasasa Cash qualifications are not met, all balances in the account earn 0.05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. The Kasasa Saver APY may be less than Kasasa Cash APY. If qualifications are met in your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle, the balance in the Kasasa Saver earns 0.80% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one (1) Kasasa Saver per social security number. View schedule of fees.

2 APY = Annual Percentage Yield. APYs accurate as of 9/1/2021. Rates and rewards are variable and may change after account is opened. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Monthly receipt of electronic statements, log into online banking, and twelve (12) debit card transactions are conditions of this account. Enrollment in electronic services (e.g. online banking, electronic statements) and log-ons may be required to meet some of the account's qualifications.  When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $100.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $4.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back account on the last day of statement cycle. When Kasasa Cash Back qualifications are not met no cash back payments are made and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. If member has a Kasasa Saver account, cash back payments earned in Kasasa Cash Back are automatically transferred to Kasasa Saver each statement cycle. Limit one (1) Kasasa checking per social security number. View schedule of fees.

3 You will receive $0.50 cash back on each everyday debit card transaction, up to an aggregate amount of $4.00 per monthly statement cycle, that posts and settles to your account during the monthly statement cycle. Enrollment in electronic services (e.g. online banking, electronic statements) and monthly log-on to online banking may be required to meet some of the account’s qualifications. The cash back rewards will be credited to your account on the last day of the statement cycle. Only debit card transactions processed by merchants and received by us as point-of-sale (POS) transactions will qualify to earn cash back. Debit card transactions processed by merchants and received by us as ATM transactions do not count as POS transactions. Statement Cycle means the period of time for which Cinfed provides a summary of the financial activities and transactions that post and settle to your account. Limit one Zoom Rewards checking per social security number. Account owner must be between the ages of 14 and 22. Members under 18 years of age are required to have a parent/guardian sign as a joint owner. Rates and rewards are variable and, at our discretion, may change after account is opened without notice to you. View schedule of fees.

4 Overdrafts are paid at our discretion, we do not guarantee that we will always authorize and pay any type of transaction. For questions, please contact our Member Services Department at 513-333-3800.