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Free, Full-Service Checking Accounts

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Full, Free Service Checking

No minimum or maximum balance and no monthly maintenance fees
— plus added perks, like ATM fee refunds, mobile banking, and a free debit card with digital wallet.


Looking for great options for your business? VIEW OUR BUSINESS BANKING SERVICES



Open a Cinfed Checking Account today!

APPLY NOW


Explore our personal checking accounts




Kasasa Cash

Earn up to 1.50% APY* on account balances up to $20,000 and 0.10% APY* on balances over $20,000 when you qualify. View rates here. Learn more.

  • No monthly maintenance fees or minimum balance
  • Up to $20 (monthly)* in refunds on ATM fees nationwide
  • Free debit card with digital wallet



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Kasasa Cash Back

Earn 4% cash back** on debit card purchases. Learn more.

  • No monthly maintenance fees or minimum balance
  • Up to $20 (monthly)** in refunds on ATM fees nationwide
  • Free debit card with digital wallet




Basic Checking

Put the power of free checking in your hands. Learn more.

  • No monthly maintenance fees or minimum balance
  • Up to 4 ATM fees covered per month
  • Free debit card with digital wallet



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Zoom Checking

If you’re between the ages of 14 and 22, and it's time to start managing your own money, Zoom Rewards Checking is the answer! You get 50 cents for each of your first eight debit card transactions every month – that’s up to $4.00 back into your account1. Learn more.



Cinfed debit card


Your Debit Mastercard

Cinfed Debit Mastercard® is free with all checking accounts - giving you the convenience and protection you deserve.
It's like having cash, but only better:




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Mobile App
Access to your account wherever, whenever you need it.




Fingerprint Login




Automatic Bill Pay




Transfer Funds


Download Now:

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download the app on Google Play



Ready to open your account?

Stop by our branch

FIND A BRANCH

Open your account online
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Call us
513-333-3800




Learn with Us
Tips and tools to help you reach your financial goals.


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MONEY MATTERS BLOG


Checklist for Choosing a Checking Account.
Important factors to consider when opening a checking account.
Get started ►

CINFED FINANCIAL EDUCATION CENTER


Checking 101
Dive into our interactive course for an overview of checking accounts and payment methods to help you better manage your finances. Get started ►

HAVE QUESTIONS?

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

VISIT OUR FAQ PAGE



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)


*APY = Annual Percentage Yield. APYs accurate as of 8/1/2020. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings. For Kasasa Cash® account, if qualifications are met during a Monthly Qualification Cycle, (1) Balances up to $20,000 receive APY of 1.50%; and balances over $20,000 earn 0.10% dividend rate on the portion of balance over $20,000, resulting in a range from 1.50% to 0.33% APY depending on the account’s balance and (2) you will receive reimbursements up to $20 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Dividends and ATM fee reimbursements will be credited to your Kasasa Cash® account on the last day of statement cycle. When Kasasa Cash® qualifications are not met, all balances in the account earn .05% APY and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. The advertised Kasasa Cash® APY is based on compounding dividends. The Kasasa Saver APY may be less than Kasasa Cash APY. If qualifications are met in your Kasasa Cash or Kasasa Cash Back account during the Monthly Qualification Cycle, the balance in the Kasasa Saver earns 0.30% APY. If Kasasa Cash or Cash Back qualifications are not met, the balance in the Kasasa Saver earns 0.05% APY. Limit one Kasasa Saver per social security number. View schedule of fees.
**APY = Annual Percentage Yield. APYs accurate as of 4/1/2020. Rates and rewards are variable and may change after account is opened. When Kasasa Cash Back® qualifications are met during a Monthly Qualification Cycle, you will receive 4.00% cash back on up to a total of $100.00 debit card purchases that post and settle to the account during that cycle period. A maximum of $4.00 cash back may be earned per Monthly Qualification Cycle. You will also receive reimbursements up to $20.00 for nationwide ATM fees incurred during the Monthly Qualification Cycle in which you qualified. Cash back payments and ATM fee reimbursements will be credited to your Kasasa Cash Back® account on the last day of statement cycle. When Kasasa Cash Back® qualifications are not met no cash back payments are made and ATM fees are not refunded. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. ATM-processed transactions do not count toward qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. “Monthly Qualification Cycle” means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. If member has a Kasasa Saver® account, cash back payments earned in Kasasa Cash Back® are automatically transferred to Kasasa Saver® each statement cycle. Limit one Kasasa® checking per social security number.. View schedule of fees.
1You will receive $0.50 cash back on each everyday debit card transaction, up to an aggregate amount of $4.00 per monthly statement cycle, that posts and settles to your account during the monthly statement cycle. Enrollment in electronic services (e.g. online banking, electronic statements) and monthly log-on to online banking may be required to meet some of the account’s qualifications. The cash back rewards will be credited to your account on the last day of the statement cycle. Only debit card transactions processed by merchants and received by us as point-of-sale (POS) transactions will qualify to earn cash back. Debit card transactions processed by merchants and received by us as ATM transactions do not count as POS transactions. Statement Cycle means the period of time for which Cinfed provides a summary of the financial activities and transactions that post and settle to your account. Limit one Zoom Rewards checking per social security number. Account owner must be between the ages of 14 and 22. Members under 18 years of age are required to have a parent/guardian sign as a joint owner. Rates and rewards are variable and, at our discretion, may change after account is opened without notice to you. View schedule of fees.



CONTACT CINFED

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

MEMBER REVIEWS

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... 
— 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
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
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

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