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Personal Checking Accounts & Services

Tired of personal checking accounts that tie you down with minimums, fees, and special requirements? City & County Credit Union offers three checking solutions designed to make life easier and put you in control of your finances.

  • iSelect Checking offers City & County members a wide range of features and the ability to customize your account.
  • Advantage Checking lets you earn a competitively tiered interest rate — the higher your balance, the more you earn.
  • AdvantagePlus Checking account is our top-of-the-line checking account with the most rewards, discounts and benefits.

More Saving. Fewer Fees.

Did you know our credit union members pay $360 less in monthly checking fees per year than the national average? Members pay less because we offer many free benefits like mobile banking, mobile deposit, online bill pay, and access to more than 100,000 free ATMs nationwide. What are you waiting for? Find the account that’s right for you and get started today.


*Select two additional free features with iSelect Checking: debit card cash-back rewards, ATM refunds, free checks, or interest accrual

Cash-back debit card program subject to change without notice, for complete program details, see Truth in Savings brochure. Cash Back Rewards is a free feature of Advantage and AdvantagePlus checking. However, it must be selected as an option of iSelect Checking. Age restrictions may apply for ATM/Debit Card. Online bill pay is free if enrolled in eStatements. eStatements required for iSelect Checking account. Up to $15 in ATM surcharge fees refunded per month, must present valid receipt within 60 days of transaction. Up to two free boxes of checks per year. AdvantagePlus loan discount only applies to consumer loans, excluding line of credit overdraft protection. Not all members are eligible for Shared Branching. Call City & County for complete details. CCCU deposits are federally insured up to $250,000 by NCUA.


Contact us to learn more about our checking account offerings Request More Info
iSelect Checking Personal Checking Account Features (Select Two)
No Minimum Balance
FREE Online Bill Pay
Optional Overdraft Protection
Debit Cash Back Rewards
ATM Refunds*
Free Checks*
Monthly Interest
Advantage Checking
$2,500 Minimum Balance
Online Bill Pay Optional - with eStatements
FREE Overdraft Protection
Debit Cash Back Rewards
ATM Refunds*
Free Checks*
Monthly Interest
AdvantagePlus Checking
$10,000 Minimum Balance
Online Bill Pay Optional - with eStatements
FREE Overdraft Protection
Debit Cash Back Rewards
ATM Refunds*
Free Checks*
Monthly Interest
Loan Product Discounts

Checking Account Benefits

With a City & County checking account, you’ll enjoy several value-added features including access to more than 100,000 free ATMs nationwide as well as free online and mobile services including mobile banking with smartphone apps, eStatements and bill pay. In addition, City & County members can take advantage of our current promotions and cash back through Cash Perks.

Debit Card Benefits

With the convenience of a City & County CU debit card or ATM card, you can withdraw cash surcharge-free at more than 52,000 ATMs around the country, make purchases at any merchant that accepts MasterCard and have the payment deducted from your checking account. Apply for a Cash-Back debit card at one of our Saint Paul-area Credit Unions.

  • Cash Back Rewards – If you choose this feature as a part of your iSelect Account, you can earn rewards just for making purchases with your debit card. Each quarter, you'll receive cash back from qualifying purchases.
  • Cash Perks - Get cash back offers from places you shop every day, from coffee shops to retail stores. These offers can be easily activated in online and mobile banking, and the money will show up in your account each month.
  • Nationwide ATM Access - Withdrawals made at Allpoint , CO-OP Network or MoneyPass ATMs are free. That's access to 100,000+ ATMs surcharge-free!
Debit Card Alerts

Set up alerts to actively monitor your debit card usage. Set alerts for:

  • Purchases over a selected amount
  • International purchases
  • Online purchases
  • Declined purchases

Set Up and Monitor Alerts

Mastercard SecureCode

Register your City & County Debit Card with a password to protect it from unauthorized use when you shop online. Register your Debit Card Now


Do you love your checking account? Tell your friends! We would love to meet your neighbors, friends, family or co-workers!

You and your friend can earn $25 each when you:

  1. Fill out this form
  2. Give it to a friend
  3. You and your friend will receive $25 when your friend opens a new checking account with direct deposit

Start spreading the love and enjoying the benefits of belonging to a not-for-profit financial cooperative.

refer a friend & earn $25 graphic

New member must open a checking account and set up direct deposit within 6 months of being referred for new and current member to receive $25. The referral bonus will be deposited into each account within 30 days of opening a new CCCU Checking and the first direct deposit received. Referral form must be presented at account opening. Referring member must be in good standing. Program details subject to change and cannot be combined with any other offer. New members only.

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