Checking

Reward Checking

earn bETTER

With free Earn Better checking, saving has never been more rewarding. Earn 2.00% APY* on up to a $10,000.00 balance (based on a $10,000.00 balance you could earn up to $201.14 a year) — plus, refunds on ATM withdrawal fees, nationwide. There’s never a monthly service fee. Instead, we keep your hard-earned cash where it belongs — with you.

  • Refunds on ATM withdrawal fees, nationwide (up to $25.00 monthly)

  • Link to free Save Better to build savings automatically 

  • No monthly service fee

  • No minimum balance to earn rewards

  • Unlimited check writing

  • Free online banking with bill pay

  • Free E-statements

  • Free mobile banking

  • Free VISA® debit card (1st card)

  • No minimum deposit to open

SPEND BETTER

With free Spend Better checking, swiping your debit card has never been more rewarding. Earn 2.00% cash back on debit card purchases-that's up to $10.00 each month on $500 in purchases — plus, refunds on ATM withdrawal fees, nationwide. There’s never a monthly service fee. Instead, we give you money back.

  • Refunds on ATM withdrawal fees if qualified, nationwide (up to $25.00 monthly)

  • Link to free Save Better account to build savings automatically 

  • No monthly service fee

  • No minimum balance to earn rewards

  • Unlimited check writing

  • Free online banking with bill pay

  • Free E-statements

  • Free mobile banking

  • Free VISA® debit card (1st card)

  • No minimum deposit to open

Earning your rewards is easy!

To earn your rewards, just do the following transactions and activities in your Earn or Spend Better account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle

  • Be enrolled in E-Statements

  • Have at least 1 login to online banking

Even if you don’t qualify one month, don't worry! Your checking account will always be free, plus you can get right back to earning the full rewards the next month.

* APY = Annual Percentage Yield

 

Overdraft Protection

Campco offers several options to help protect your account from overdrafts or help guarantee your payments won’t be rejected. Explore products and options below.

Campco FCU’s primary goal is “Partnering with Members to Improve Their Lives,” and that means we want to help each of our members become financially secure. Understanding how overdrafts work and what can be done on your end to prevent them can go a long way in reaching that financial security.

Overdraft Information:

  • An overdraft occurs when there isn’t enough money in an account to cover a purchase.
  • Overdraft fees are $29.00 per item presented. (Per item presented means each time an item is presented, including re-presentment.)

Tips to Help You Prevent Overdrafts:
  • Keep a close eye on your balance, to make sure you have enough to cover your purchases. Campco FCU’s online and mobile banking allow you to check your balances or transfer funds at any time.
  • Set up direct deposit to ensure that your paycheck or other deposit hits your account quickly and securely. Ask us if you need help setting up direct deposit.
  • Set up transaction alerts through online banking to be notified as transactions clear your account to help keep track of purchases and transactions in real time. Ask a Campco FCU representative to help set up alerts.

Campco FCU offers Courtesy Pay to help cover insufficient funds transactions in the event you spend more than your available balance, giving you peace of mind that your payments are covered.

  • Courtesy Pay allows you to temporarily overdraw your account, up to a maximum of $300.00, including any applicable fees.
  • Courtesy Pay fees are $29.00 per item.
  • Any transactions made via Courtesy Pay must be paid back within 30 days.
  • By opting-in to courtesy pay, Campco FCU may authorize and pay overdrafts on checks, ACH transactions, ATM withdrawals, or debit card transactions. You can opt-in or out of this service at any time.
  • Campco FCU does NOT authorize and pay overdrafts for ATM transactions or debit card transactions unless you opt-in to this service.

Campco FCU offers a Savings Link to help cover insufficient funds transactions if you have available funds in a Campco savings account. Funds will automatically be transferred from your savings to your share draft (checking) account as purchases clear.

  • Funds are transferred in increments of $100, unless less than that amount is available.
  • A $2.00 service fee is charged whenever a Savings Link transfer is made.
  • There is no limit to the amount of transfers that can be made using Savings Link, as long as funds are available in the selected account.

Campco FCU offers a line of credit (LOC) that can be linked to a share draft (checking) account for use as overdraft protection. Funds are transferred from the line of credit to the share draft account to cover transactions.

  • Interest and credit limit is based upon credit history. Click here to apply.

Debit Cards

Campco FCU offers instant issue Visa® debit cards at all branch locations, so you have access to your card the same day you open a new account.

Fraud Alerts

Fraud alerts are automated phone calls, text messages, or emails that are sent when potentially fraudulent purchase activity has been detected on a credit/debit card account. Messages are triggered by Campco FCU’s fraud detection system. All cardholders are automatically opted into fraud alerts, with no additional signup required.

Transaction alerts for every day purchases not suspected of being fraudulent can also be enabled through the MyCU Card mobile application, available on the Apple App Store and Google Play Store.