Basic Checking Account: Simple, No-Hassle Banking
Looking for a simple, stress-free way to manage your money? At Community Focus Federal Credit Union, we make banking easy with our Basic Checking Account—available to members across the Downriver community.
Why Our Local Members Love Basic Checking
- No minimum balance – keep your money flexible
- Free Debit/ATM Card – spend securely and conveniently
- Debit card controls with CardCentral
- Access to 30,000+ surcharge-free ATMs across Michigan and nationwide
- Free Online & Mobile Banking – manage your money anywhere
- Free E-Statements – go paperless, stay organized
- Direct Deposit – faster access to your paycheck
Banking That Supports Our Community
As your local credit union in the greater Downriver area, we’re here to give you the tools you need for everyday money management—without the hassle and hidden fees. Whether you’re setting up your first checking account or looking for a no-frills option to simplify your finances, our Basic Checking Account is the smart local choice.
Basic Checking Account – Quick FAQs
Q: Who can open a Basic Checking Account?
A: Any Community Focus Federal Credit Union member in the Downriver area who meets membership eligibility can open one.
Q: Is there a minimum balance requirement?
A: No. You can keep your balance as low or high as you’d like—there are no minimum balance requirements.
Q: Is there a monthly fee?
A: No. Our Basic Checking Account has no monthly service fees.
Q: Do I get a debit card?
A: Yes! You’ll receive a free Debit/ATM Card to make purchases securely and access cash when you need it.
Q: Where can I withdraw cash?
A: You’ll have access to 30,000+ surcharge-free ATMs across Michigan and nationwide.
Q: Can I manage my account online?
A: Absolutely. Enjoy free Online & Mobile Banking, plus e-Statements to stay organized.
Q: Can I set up Direct Deposit?
A: Yes. Direct Deposit is available for faster access to your paycheck or recurring deposits.