Opening Checking and Savings Accounts

Money Matters for Cinfed Members

Opening a New Account? Here’s How to Make it Easier

Posted on May 01, 2018
Topic Categories: Banking, Consumer Help

Lady with paperwork smiling

By Melissa Reardon – Cinfed Branch Manager, Ft. Wright

As the end of the school year gets closer, many soon-to-be graduates (and their families) are opening new checking and savings accounts. Whether they’re heading off to school, getting a job, or beginning another adventure, new members typically keep branch locations busy this time of year.

If you’re looking to open a new account, it’s a good idea to collect the required documents and information prior to starting an application. This can make the whole process go faster – and more smoothly.

What Documents to Have Prepared

First, you will be asked to provide a valid, government-issued photo identification, such as a driver’s license or passport. For those who don’t drive, your local Bureau of Motor Vehicles (BMV) offers a non-driving ID, which can also be used to open your bank account. 

In addition, we will be requesting some basic personal information, such as your:

  • birth date
  • social security number
  • phone number
  • proof of home address (for example, a utility bill or lease agreement)


Why These Documents Are Necessary

As a federally insured, community chartered credit union, Cinfed must adhere to local and federal banking laws. We must verify the identity of each new applicant in order to manage risk and to comply with anti-money laundering laws. We will also use your social security number for tax reporting, if necessary. 

So in order to meet those legal and regulatory requirements, we have to ask for some of your personal information. It’s really about security – keeping your money safe while preventing others from abusing the system. This process keeps all parties accountable. 

Opening a new account can be a fairly seamless process that should have you up and running in less than a day. With the documents prepared ahead of time, you will be able to walk into most credit unions and shortly thereafter walk out a member. Stop by any Cinfed branch to speak with a representative who can provide you with personal attention. 





Cinfed Credit Union
4801 Kennedy Avenue
Cincinnati, OH 45209
(513) 333-3800
Routing #242076656


They always go above and beyond at the Oakley branch and truly care about each of their members. And, I absolutely love their kids' membership program. It makes it fun for them to learn about money... 
— Courtney Snow
Been a member since I moved to the Queen City in 1978. Cinfed has always provided customer service that other financial institutions only dream about. Thank you for almost forty years of outstanding... 
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I recently became a member here at CINFED and it was the best decision I have ever made. I walked in with tears and despair and left with dry eyes, a smile, and I even received a hug from the branch... 
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Earlier this year my much younger sister passed away and with that many obligations were to be met by my husband and myself ..My sister was survived by a daughter and son. We have since then taken on... 
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How lucky I am to have Liz Frey managing the office I use! I live in Florida but maintain Cinfed as my main banking office. Everytime I need special help a simple email or call to Liz and it is... 
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Emily Snyder took the best care of my two auto loans. She was professional, courteous and very knowledgeable of the available services for me. She went out of her way to make sure I felt like I was... 
— Sarah Amyotte
I have been member with Cinfed since 1986. The Roselawn Cinfed staff greeted the customer phone calls friendly and polite willing to help you with your needs. They have excellent customer service.... 
— Marian Dudley
I have been a member of CINFED since about 1981 when I was transferred from SLC, Utah with the US Army Recruiting Command and have always received excellent service and support . Hope Dee Dee is... 
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I have been a member at the Roselawn Branch for a long time and I couldn't be more satisfied with the customer service. No matter how often I come in with a question or issue and no matter what... 
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I been a member since 1985 and can not imagine banking anywhere else. This credit union as taken care of my every need. 24/7 services is excellent.
— Edward, member since 1985
I have been a Cinfed member for years. I know I can depend on them to provide excellent service. The bill pay on line is great and every time I visit the Florence branch I am met with friendly... 
— Jan Ricks
Closed a loan in 24 hours! Absolutely unheard of! Thanks to the exceptional customer service of LeAnn Rose at the Turfway Branch! She went above and beyond by providing unexpected expedited service! ... 
— Christina Stull
I recently applied for a credit card online. I received a call from Emily Snyder explaining what needs to be done next. It was easy and Emily’s customer service was excellent. Emily is a great... 
— Johnnie Bush
I met Emily Snyder because I had a flat tire in the parking lot of Cinfed Credit Union. I didn’t know what to do and she offered to help me. It was late in the evening and I didn’t think anyone... 
— Cindy Hyatt
Emily Snyder took care of setting up a consolidation loan for me on Saturday. She was very friendly, professional, and explained very articulately all the steps involved. Emily also opened a new... 
— Sally A Arbogast
I recently closed for a car loan and a credit card with Susan Z. Her service was excellent. We closed in a couple of days. She was so helpful with her knowledge. It was a pleasure to deal with her.
— Glenda Adkins
I cannot say enough good things about the service I have always received from Cinfed! Most recently, we refinanced a vehicle and dealt with Emily S.! She was quickly responsive and on top of her... 
— Serena Kain
I can say a million great things about Cinfed Credit Union and how they helped me over the years ,But there are many helpful service members, but one Great lady Is Mrs Susan Z. She is an Awesome... 
I have to say I think the new online banking update is pretty awesome. I love that the app is more up to date, clean and user friendly. Happy to be a customer with Cinfed.
— Kyle Neises
I have member with Cinfed for 24 years. The customer service is beyond great. Everything from daily banking to loan services. I recently purchased my daughter a car and originally it was going to be... 
— Tira Williams

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