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Checking Accounts

Checking that rewards everyday banking

Open an Account View Rates

Make Your Checking Work Harder

Earn up to 4.50% APY1 on balances up to $10,000 with High Yield Checking. Keep the checking account you use every day and start earning more from your money 

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Earn Up to 4.50% APY1 with High Yield Checking

  • Earn 4.50% APY1 on balances up to $10,000
  • No monthly fees
  • No minimum balace
  • Get paid up to 2 days early2

Open High Yield Checking

Earning Rewards is Easy

Direct Deposit

Receive $1,000 or more a month (ACH or Social Security)

Debit Card

Make 10 debit card signature transactions per month

Online Banking

Enroll in Online Banking

e-Statements

Enroll in e-Statements

Why Members Choose Community Focus

"I'm just using my checking account like I always have. Now I'm earning extra cash every month.""I'm just using my checking account like I always have. Now I'm earning extra cash every month." - Jenn D., Community Focus Member

How to Earn Rewards

  • Receive at least $1,000 in direct deposits each month 
  • Make 10  signature debit card purchases
  • Enroll in Online Banking
  • Sign up for eStatements

Bank Anytime Anywhere

  • Mobile Deposit
  • Card Controls
  • Mobile Wallet
  • Bill Pay
  • Credit Score Monitoring
  • Account Alerts

Explore Other Checking Options

Basic Checking

Easy, no-hassle banking for everyday use

  • No montly fees
  • No minimum balance
  • Access your money anytime

Open Basic Checking 

MyWay Checking

Start building credit while you bank - no credit history required

  • Designed for ages 18-26
  • Tools to help you grow
  • Access your money anytime
  • No monthly fees
  • No minimum balance

Open MyWay Checking

Fast Track Teen Checking

A safe, simple way for teens to start managing money

  • Designed for ages 13-17
  • No fees or minimums
  • Parental controls included

Visit a Branch

 

Perks You'll Love

  • Free Debit Card Replacement

    Lose your card? We’ll replace it at no cost.

  • EasySave

    Round up everyday purchases and automatically save the spare change.

  • Card Controls

    Freeze or unfreeze your card anytime with a quick tap in the app.

  • Credit Monitoring with SavvyMoney®

    Keep tabs on your credit score, get alerts, and see how to improve—all for free inside online banking.

  • Digital Wallet

    Leave your wallet at home—pay with your phone using Apple Pay®, Google Pay, or Samsung Pay®.

  • Early Pay

    Get paid up to two days early (availability not guaranteed).

  • Free Financial Checkup

    Get one-on-one guidance to help you make smarter money choices and reach your goals.

  • Free Digital Banking

    Bank in your pajamas—check balances, pay bills, and move money anytime.

  • Mobile Deposit

    Deposit checks in seconds by snapping a photo in our mobile app—no branch visit needed.

  • Send Money with Zelle®

    Pay friends and family fast using just their email or phone number—no cash, no checks, no hassle.

What Our Members Say

"After banking with the same bank for 25 years, we felt our loyalty wasn't valued. We moved all of our accounts to Community Focus Federal Credit Union and couldn't be happier. The branch is close to home, and we're saving money with a lower interest rate on our home equity line." James T., Community Focus FCU Member

FAQs

Basic Checking keeps life simple. High Yield Checking lets your money earn interest while you go about your day.

Just use your debit card 10 times a month, get direct deposit rolling (min. $1000), and stay plugged in with digital banking and eStatements.

Nope! You don’t need a big balance to get started. 

No monthly fees here—as long as you meet the easy account requirements.

High Yield Checking pays a higher rate on balances up to a set limit, so your everyday money can finally pull its weight.

No stress—you keep your account, you just won’t earn the higher interest that month.

Yes! If your life (or paycheck) changes, your checking account can change too. Simply, call us or visit us and we will be able to change it for you.Your account number will remain the same and you won't need another debit card.

Yep! Your money is protected with federal insurance up to the legal limit—so you can bank with confidence.

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How to Open

New Members

Existing Members 

  • Open a Checking Account through Online Banking or our mobile app account.

Ready to Upgrade Your Checking?

Find the account that fits your financial goals and start banking with confidence.

Open an Account

1APY = Annual Percentage Yield. To earn the advertised dividend for your High Yield Checking account, you must you must meet the following minimum checking account requirements each statement cycle: (1) make minimum 10 debit card purchase transactions on accounts to which you are an owner during the statement cycle, (2) receive an aggregate of $1,000 or more during the statement cycle in recurring direct deposits to the account, and (3) be enrolled in Online Banking and receive monthly eStatements. Statement cycle: The statement cycle is defined as the period beginning on the first day of each calendar month and ending on the last day of the same month. If you don’t meet the qualifications for the advertised dividend, you will not be eligible to earn dividends for that month. Rates and terms are subject to change without notice. Dividends are paid on average daily balance, at the end of the month.  All transactions have to settle the account in order to meet the qualifications for both direct deposit and debit card purchases. If you close your account before interest is paid, you may not receive the accrued interest. Fees may reduce earnings on the account. Limit one high interest checking per Social Security number.

2 Early deposit availability is not guaranteed, and may vary from deposit to deposit.