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Your money, your way

With options free from fees, high in rewards, and made for dividends—Columbia CU has the right checking account for whatever you’re looking for.

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Free For All

Looking for an everyday account with no fees and no fuss? Try Free For All Checking.

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Want to earn dividends on your daily balances? An Income Checking Account pays you back.

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What about perks? Bonus Checking comes with custom checks and free money orders.

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For members age 50 and up, get PLUS rewards like safe deposit box discounts and coupon books.


Keep low balances?

Set up Overdraft Protection to transfer funds from linked accounts when your account is overdrawn.
  • When there aren’t enough funds in your account to cover a transaction, Columbia CU will transfer funds in increments of $100 from your linked accounts for $5 per transfer
  • If the full $100 is not available in your linked accounts, but there is enough to cover the overdraft and the $5 fee, that amount will be transferred to cover the overdraft
  • Link to your Savings Account, Money Market Account, Checking Account, Personal Line of Credit, or all four
  • Set up Overdraft Protection by calling 360.891.4000, visiting a branch, or using the online chat tool
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Discretionary COURTESY PAY

Worried about getting declined?

Swipe your debit card without fear of being declined at point of purchase with Discretionary Courtesy Pay.

  • Comes automatically for purchase made by check or through automatic clearing house
  • Opt in to have Columbia cover your everyday debit card purchase when you don’t have enough available funds in your checking account or through Overdraft Protection
  • If Discretionary Courtesy Pay is used, an overdraft fee of $30 applies for this safeguard on your transaction

Checking Accounts

Pick from four unique checking options.

Manage your money in a sturdy, everyday checking account with no fees or minimum balance.

Earn dividends on your daily balances.

Get bonus perks like custom checks and no foreign ATM fees.

Enjoy discounts and perks with an account built for members age 50 and older.

  • One free box of custom checks per year
  • Free money orders
  • No Columbia ATM fee on checking withdrawals from anywhere
  • 25% discount on safe deposit box rental
  • Free annual coupon book if you hold a Money Market account
  • Free Online and Mobile Banking
  • $1 Minimum to open
  • Available with Stash Your Cash
  • Direct Deposit

All the features that come with your debit card

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Add your debit card to Apple Pay, Google Pay, or Samsung Pay to ditch the plastic completely.

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All cards are protected with EMV chip technology to keep your information secure.

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Need to send money to a friend? Make peer-to-peer payments with Popmoney in Online & Mobile Banking.

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Personalize your debit card by uploading your own one-of-a-kind image for free.

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Protect your cards against fraud by turning them off/on from your mobile device.

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Activate exclusive cash back offers at your favorite retailers through Online & Mobile Banking.

Need a savings account?