Checking Accounts

Your money, your way

Free of monthly fees, high in rewards, and made for dividends—Columbia CU has the right checking account for whatever you’re looking for.

Income
Checking

Make your money work harder for you while earning ATM fee rebates.

-OR-

RewardsPlus
Checking

Get free check folios, safe deposit box discounts and coupon books.

Two free checking options

Income Checking

Each month, earn 1.00% APY* on balances up to $25,000 and receive up to $25 in nationwide ATM fee rebates each month in 3 easy steps.

Requirements to earn 1.00% APY and ATM refunds:
- Make at least 15 purchases using a combination of your Columbia CU debit card(s) and credit card(s)
- Have a direct deposit of at least $500 into your Income Checking
- Enroll in e-statements
No monthly fee or minimum balance requirements
Free Online and Mobile Banking, debit rewards, budgeting tool, and e-statements
$1 minimum to open
If you don’t meet the qualification requirements, you will earn 0.03% on your balance and ATM fees will not be reimbursed
Available with Stash Your Cash
Direct Deposit
More Details

RewardsPlus Checking

Enjoy discounts and perks like:

One free folio of Columbia CU checks per year
Free unlimited money orders
25% discount on safe deposit box rental
Free local coupon book annually if you hold a money market account
No monthly fee or minimum balance requirements
Free Online and Mobile Banking, debit rewards, budgeting tool, and e-statements
No Columbia ATM fee
$1 Minimum to open
Available with Stash Your Cash
Direct Deposit

All the features that come with your debit card

Mobile Wallet

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

EMV Security

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

Pay People

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

Custom Card Image

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

CardValet App

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

Debit Rewards

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

OVERDRAFT PROTECTION

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

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

Need a savings account?

*APY=Annual Percentage Yield and is accurate as of December 8, 2020 and can change at any time without notice. One Income Checking per member with Tax Reported Owner role. Minimum to open is $1. To earn rewards, you must meet each of the following requirements: 1) Be enrolled to get e-Statements by 11:59 p.m. PT two days before month end; 2) Have a direct deposit of at least $500 by 6:00 p.m. on the last day of the month; 3) Make at least 15 purchases using a combination of your Income Checking debit card by 6:00 p.m. PT two days before month end and your Columbia CU credit card by 11:59 p.m. PT two days before month end. For example: In a month with 30 days, e-Statements by the 28th, direct deposit by month end, debit purchases by the 28th, and credit card purchases by the 28th. Please note, debit and credit card transactions may not post on the same day as the purchase. ATM transactions do not count toward the purchase requirement. For credit card purchases to apply, the member with the Tax Reported Owner Role must be the same on the Income Checking account and on the Columbia Credit Union Visa credit card.