Essential Checking


Essential Checking

For members who want an affordable checking account to manage their family finances
  • Checking Account ManagementNo monthly fees or minimum balance requirements
  • Free withdrawals using your Member Connection ATM/VISA® Debit Card at affiliated ATMs and four free withdrawals at other ATMs per month
  • First 50 checks free (Emerald Elegance style only) with your first check order
  • One free overdraft waiver per year.

All of our accounts offer:

  • Access to thousands of surcharge-free ATMs and shared branches
  • Free online banking with billpay, e-statements and e-alerts
  • Free mobile banking with Mobile Check Deposit
  • UChoose Rewards when you use your Member Connection VISA Debit Card 
  • 24/7 Phone Link audio response telephone 
  • Free, unlimited check writing
  • Overdraft protection from savings or overdraft line with no monthly fees and courtesy pay
  • DISCOUNTS:  Receive a .25% APR discount on vehicle and personal loans with automatic payment from another financial institution.   Receive .50% APR discount with automatic payment from a CRFCU checking account with direct deposit. An additional .10% APR discount to Military Personnel, Veterans, Firefighters, Police and EMS. APR= Annual Percentage Rate. Applies to loans granted as of 1/1/2016.
    Certain restrictions may apply.
  • Link to the SaveUp Account 
  • Free financial management information and counseling through BALANCE.

Apply for a Checking Account. Call (518) 783-2211 or 1-888-783-2211 for more information.

Please note: A $5 fee per transaction will be assessed for ACH or Share Draft items that clear using your savings account as an overdraft source. A maximum of three automatic transfers per month is allowed. The overdraft line of credit will transfer money into your account in $50 increments. There is no fee to access your overdraft line. Interest will accrue daily.