Checking Accounts

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Traditional Checking

Our traditional checking account allows you to have easy access and management of your money. While there is no minimum balance to get started, your account will earn dividends if you maintain an average balance over $1,000.

Kasasa Cash® Checking

Enjoy high-interest earnings and refunds on ATM withdrawal fees.

We want to reward you just for being a member. That’s why we offer Kasasa Cash® — free checking that pays you interest, just for doing super simple activities you probably already do. You’ll even get refunds on ATM withdrawal fees, nationwide! If you really want to rake in the savings, add a free Kasasa Saver® account to make saving effortless.

Account Type Balance Requirements Rate APY
Kasasa Cash® Checking
Up to $10,000 1.00%** 1.00%**
Over $10,000 0.05%** 0.05%**

Kasasa Cash Back® Checking

Enjoy cash back on debit card signature/credit purchases and refunds on ATM withdrawal fees.

Have you ever had a checking account that charged you a monthly maintenance fee? If so, we’re here to offer you Kasasa Cash Back®. It’s free checking that actually pays you, instead of the other way around. You’ll earn 3.5% cash back on your VISA® debit card signature/credit purchases, up to $200 per month ($7.00 per month).* You will even get refunds on ATM withdrawal fees, nationwide!

Kasasa Saver® account with Kasasa Cash® Checking OR Kasasa Cash Back® Checking

Build savings automatically while earning a high rate of return.

Take all the pain out of saving with this free Kasasa Saver® account that does the work for you! Free Kasasa Saver® links to your free Kasasa Cash® OR Kasasa Cash Back® checking to make saving effortless. When you earn cash rewards in your Kasasa® checking, those earnings transfer into Kasasa Saver. Kasasa Saver pays you interest.

Account Type Balance Requirements Rate APY
Kasasa Saver®
Up to $25,000 0.20%** 0.20%**
Over $25,000 0.10%** 0.10%**

Learn more about features and benefits

  No Monthly Fee or Per Check Charges

With no monthly account services fees and no per check charges, your only account expense will be ordering your desired style of checks.

  Overdraft Protection

In the event a check arrives for payment and your account does not have sufficient funds, overdraft protection will transfer available funds from your savings account. This service is available three times per month at no charge.

  Online & Mobile Banking

Our best-in-class online and mobile banking platform offers you the same features and convenience that the country's largest banks have to offer.

  Free Bill Pay, Mobile Check Deposit & E-Statements

Need to pay your monthly rent via check? Let us mail it automatically on your behalf with Bill Pay. Save time by depositing checks from the convenience of your own home - or anywhere! Limit your mail and go green by selecting to receive e-statements for your NCFCU accounts.

  Surcharge-Free ATMs

NCFCU has contracted with PNC Bank so that we can provide you locations nationwide. You can also use the surcharge-free locations provided by CU Dollar. You can do your Credit Union business when it suits you, day or night, 7-days-a-week, with your VISA Debit Card!

Find exact PNCBank ATM locations*, or find a Surcharge-Free ATM near you at CU Dollar*.

  Local Branches When You Need Them

We have convenient branch locations across central Pennsylvania so you can always access banking services in-person.

You can open a new account in less than 5 minutes entirely online. Or feel free to stop by a branch to open your new account.

*You are about to leave the NCFCU website. We do not provide, and are not responsible for, the product, service, or overall website content available at the external website. Please be aware that external websites may have privacy and security policies that differ from those at NCFCU. Please consult their privacy disclosures for more information. NCFCU makes no warranty, expressed or implied, regarding any external site nor is liable for transactions you enter into with any third parties.