ATM and Debit Card Choices | Check 21
A checking account with Carolina Collegiate Federal Credit Union offers many conveniences. These include duplicate checks for easy record keeping and an easy-to-read, monthly statement listing all transaction activity.
Benefits Plus
Our Benefits Plus checking account offers a great range of benefits and discounts, all for only $5.00 a month. These benefits include:
- $500.00 minimum daily balance
- The $5 monthly fee is waived for accounts with a daily balance of $500 or more. The $5 fee is waived if you have 25 VISA debit card signature transactions per month.
- No per check charges
- Free interactive online account service
- Free 24/7 member service call center
- Free E-Statements
- Free E-Notices
- Free bill payment service
- Your choice of instant issue debit card
- Free nationwide surcharge free ATM network
- Unlimited ATM usage
- $5.00 safe deposit box discount
- $5.00 wire transfer discount
- .25 % Rate Discount on Consumer Loans (some restrictions may apply)
- Identity Theft Restoration Service
- Upon request, members 62 and over can receive 50 free checks (postage not included)
- All Benefits Plus national and local benefits
Stress Free Checking
- No minimum balance required
- No per check charges
- No $5 monthly service fee if direct deposit is used or 5 debit card signature transactions per month or $500 minimum monthly balance
- Unlimited use of any Carolina Collegiate ATM
Stress Free Student Checking
This account offers the same benefits as our regular Stress Free Checking account, but has been made especially for students.
- No minimum balance required
- No per check charges
- No monthly service charge fees
- Unlimited use of any Carolina Collegiate ATM
*NEW* Rebound Checking
- The minimum balance to open this account is $25, with no minimum balance required after the initial opening deposit
- Checks, Courtesy Pay, and Bill Pay are unavailable with this account
- Direct Deposit is required
- Limited check deposits
- Unlimited use of any Carolina Collegiate ATM
- A $15 fee will be charged each month
Money Market Checking
This high-yielding money management account offers an above average return on your invested dollars without tying up your funds. A minimum deposit of $5,000.00 is required to open a Money Market Checking Account, and your funds are easily accessible through personalized checks, NightWatch, and Private Teller services. Your Money Market Checking Account earns monthly dividends based on the account daily balance.
Limit 6 withdrawals per month.
Benefits Plus Money Market Account
Enjoy all of the features of the Money Market Checking account with the added bonus of the Benefits Plus benefits and services, all for only $5.00 a month. You will also receive an additional .25% interest on balances.
Scholars Dollars Account
Your younger-than-eighteen year old can experience the benefits and responsibilities of this special checking account...and a debit card! This account which is linked to the adult guardian account offers many advantages:
- Free Debit Card
- On-line account access
- Inter-account transfer ability
- Automatic allowance transfers
- Education and experience for your child!
Account Benefits
- Free Notary Service
- Overdraft Protection from savings and loans
- This service allows funds from savings or a loan to automatically transfer to checking should the account inadvertently be overdrawn.
- Free Direct Deposit
- ATM Service (6 withdrawals per month at no charge, $1.00 each over 6)
- Member of Star, Cirrus, Avail ATM Networks (Surcharges may apply)
- Free Night Watch Access
- Free Private Teller Access
- Free Visa Debit Card with approval
- Free checks to Members 62 and older
- No Surcharge ATM Network
Courtesy Pay
Courtesy Pay is a new service that adds a measure of protection to your personal checking account. Courtesy Pay may cover your insufficient funds checks, up to your approved limit, for one low fee per covered overdraft transaction. That means, instead of returning a check to the merchant because of insufficient funds, the credit union may pay your check, saving you additional charges from the merchant collection companies, in addition to the credit union's insufficient fund fee. It saves you the embarrassment an inadvertent overdraft can cause. It also helps protect your credit rating.
Click here for more information on Courtesy Pay.
Benefits Plus members can choose one of these exciting, colorful designs for your plastic card. You're sure to find something that suits your style in the Card Collection.... something you'll be proud to carry and proud to use. (Stress Free accounts are issued the standard Carolina Collegiate debit card. Non Benefits Plus Checking Account holders can purchase a custom debit card for a $20 fee.)
Click here for more
-Instant Issue VISA Debit Cards Now Available
Drop by our Pulaski or Rosewood offices to get your VISA Debit Card instantly. Click here to see design options.
Not able to drop by Pulaski or Rosewood, no problem. For added convenience, cards will be mailed from our Columbia offices and should be received within 1 week. Just contact a Financial Services Representative for more information.
Click the link below to find more information on Check 21 and how it will effect you.
Check 21 Disclosure Brochure [PDF Format]
Click Here for Checkbook Management Information
Click here to apply.
Click here for Current Rates
Click here for Account Disclosure
What do I do if my checkbook is lost or stolen?
What do I do if my ATM, Debit, or Credit card is lost or stolen?
What do I do if I forgot my PIN for Private Teller, Payment Link, E-Statements, ATM, or Debit Card?
When a check is not a check? - A consumer guide to electronic check conversion.
