Preferred rate
APY on eligible balances
Check with an advisor for the current rate on your account.
Premium checking account
Elite Checking Account
Elite earnings. Elite perks. Everyday access.
Learn more →More value for you
Maximize your benefits
An account designed to help you make the most of your money, with benefits that grow with you.
Up to 2 days
early pay
With eligible direct deposits.
Digital-age banking
Built for the real world
Use it, it's free
Maintenance fee
No monthly fee when you meet minimum usage activities.
Up to 2 days
early pay
With an eligible direct deposit.
Included benefits
A checking account that's on your side
Enjoy a modern banking experience, useful benefits, and the support of an institution that understands your goals.
Open an account nowExclusive loan discounts
Get a preferred discount on eligible personal loans when you set up automatic payments.
Cell phone protection
Get coverage for damage or theft when you pay your mobile bill with this account.
Identity theft protection
Identity monitoring, incident resolution assistance, and support to help you regain peace of mind.
Promotions and rewards
Access special offers, extended warranties, and benefits for your purchases and travel.
Elite Checking Account rates
Your money works harder for you
Rates shown are reference values — check with an advisor for current rates.
| Daily balance | APY |
|---|---|
| Initial eligible balance | 0.00% |
| Excess balance | 0.00% |
Get paid early
Your paycheck, as soon as possible
With Early Pay, your direct deposit can be credited up to two days early. No enrollment, no extra steps — as soon as we receive notice from your employer, the money shows up in your account.
Up to 2 days early
Mobile app
A full branch, pocket-sized
From the palm of your hand, manage your money anytime, anywhere.
Make transfers, payments, and apply for loans from your phone
Deposit checks with just a photo
Free ACH transfers, with no hidden fees
Open your Elite Checking Account
Complete the form below to start your application.
Frequently asked questions about the Elite Checking Account
What is an Elite Checking account?
Our Elite Checking Account is designed to reward your membership, offering preferred rates and premium benefits that grow the more you use your account. Combined with other Christian Credit Union products, you unlock exclusive discounts.
Is there a monthly fee?
A monthly fee may apply, which is waived when you meet minimum usage activities, such as deposits, debit card transactions, or e-statements. Check with an advisor for current requirements.
Is there a minimum balance requirement?
There is a minimum deposit to open the account; after that, no minimum monthly balance is required to earn dividends or keep the account open, as long as the fee waiver conditions are met.
Can I open a checking account online?
Yes, you can apply online in minutes.
Do I need to be a member of Christian Credit Union to open a checking account?
Yes, you need to be a member or complete your membership to open a checking account with us. This is a requirement to prevent fraud and comply with current regulations.
How can I access my accounts?
Our mobile app and online banking let you transfer funds, send and receive money, pay bills, or deposit checks from your phone.
Can I deposit a check with my phone?
Yes, you can deposit a check in seconds using remote deposit in our mobile app, available on Google Play and the Apple App Store.