Checking Accounts

Chicago Municipal Employees Credit Union offers several different types of checking accounts, so you can choose the one that best meets your needs.

You can choose from E-Checking Checking, Basic Checking, or Universal Checking.

See all the features below:

  E-Checking Basic Universal
To avoid monthly service fee Direct Deposit or $3,0001 Direct Deposit or $3,0001 Direct Deposit or $3,0001
Minimum balance to open account with privileges No Minimum No Minimum No Minimum
Minimum balance to open account with dividends & no monthly service fee Non-interest bearing acct. $1,000 avg daily balance in your checking (Rate - 0.05% APY2) $2,000 avg daily balance in your checking (Rate - 0.10% APY2)
Monthly service fee without direct deposit or $3,000 minimum1 $6.00 $6.00 $6.00
Foreign ATM Transactions $3.00 $3.00 $3.00
Courtesy Pay - Overdraft Privileges Courtesy Pay
up to $6003
Courtesy Pay
up to $6003
Courtesy Pay up to $6003
Rate discounts on loan products —— .25% for secured products .25% for secured and unsecured products
24-hour Telephone Teller service Free Free Free
Call center M-F 8:30 am - 6:00 pm for your convenience to talk to a live person M-F 8:30 am - 6:00 pm for your convenience to talk to a live person M-F 8:30 am - 6:00 pm for your convenience to talk to a live person
CMECU Debit/ATM Transactions
(Allpoint surcharge-free ATM network)
Free Free Free
Notary Public Free Free Free
Check writing limits Unlimited Unlimited Unlimited
Electronic Services

Free Online Banking

Free Mobile and Text Banking

Free E-Statements and Bill Payment

Free Online Banking

Free Mobile and Text Banking

Free E-Statements and Bill Payment

Free Online Banking

Free Mobile and Text Banking

Free E-Statements and Bill Payment

1 Combination of share, checking, CDs, financial health account and IRAs.  2 APY=Annual Percentage Yield.  Rates subject to change.  3 Auto transfer from share or optional overdraft loan privileges available when you qualify.  All effective January 2012.