Free, Full-Service Checking Accounts



Father/Daughter in Hammock




Cinfed checking accounts provide you with the tools that you need to simplify
your everyday life — plus plenty of perks along the way.


Free debit card with digital wallet
Make purchases with convenience, all from your phone. More details here.

Online and mobile banking
Access to your funds whenever you want it and wherever you need it. Find out more.

ATM access
55,000 surcharge free ATMs worldwide. Locate them here.

Overdraft protection
Unexpected overdrafts occur from time to time — and you're covered when they do.* Sign up.

ATM fee refunds
Save money without compromising convenience. Get refunded for ATM fees.*

Free — we mean it
No minimum or maximum balance. No monthly maintenance fees. EVER.*

*Fresh Start Checking Accounts do not qualify. See additional details here.

Cinfed Checking Accounts






Earn high yield on balances**

Cash back on every day purchases**






Online and mobile access

Check Mark

Check Mark

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ATM fees

Refunded up to $20**

Refunded up to $20**

4 network fees covered per month

Debit card

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Check Mark

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Debit overdraft protection

Digital Wallet

Mobile deposit

Online bill pay


**Qualifications may apply. View them here.



Ready to open your account?


Stop by our branch


Open your account online


Call us





Tips and tools to help you reach your financial goals. Visit our Money Matters blog.






Questions about your Cinfed checking accounts?
Get the answers you're looking for. 



Additional Details and Resources

Debit Overdraft Protection
Debit Card Access and Information
Set up Alerts for Debit Card Transactions
Reorder Checks
Schedule of Fees
Cinfed Connection
Debit Card Application (Online)


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


We've only been members for a little over a month and already feel the difference. I don't want to name names, but let's just say Cinfed is WAY better than our previous institution that rhymes with... 
— Jeff, Dawn, & Jordan, members since 2013
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
Recently I tried to locate the Oakley office using google maps. The google directions did not get me close to Cinfed. I called the office and Liz remained on the phone until I reached the... 
— Debbie G
As a long time member, I have always received great service from all CinFed employees. I just wanted to say a special thank you to Dee Dee Day and Dawn Strickland. I had to make some changes to... 
— John-Member since 1990
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... 
— Vonda
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... 
— Debbie G
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... 
— Robert Olguin

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