Free, Full-Service Checking Accounts


Tools 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.




Our Checking Accounts






Earn high yield on balances**

Cash back on every day purchases**






Online and mobile access

Check Mark

Check Mark

Check Mark

ATM fees

Refunded up to $20**

Refunded up to $20**

4 network fees covered per month

Debit card

Check Mark

Check Mark

Check Mark

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




Learn with Us 
Tips straight from our team to help you reach your financial goals.




With Coach Fin as your guide, explore more than 20 interactive financial education courses offered for freeGet started ►


Dive into our interactive course for an overview of checking accounts and payment methods to help you better manage your finances. Get started ►




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


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
Just closed on a Home Equity line of credit loan, and the process couldn't have been any easier. With this I was able to pay off 2 high interest credit cards and deposited the rest into a checking... 
— Thomas
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... 
— Tim Grabenstein
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... 
— Melanie
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
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... 
— Andreya T Williams
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

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