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
Debit/ATM card with REWARDS POINTS4 with every account 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.  4 Debit/ATM card with REWARDS POINTS earns 1 point for every $2.00 spent.  All effective January 2012.