Checking

A woman is smiling after opening a checking account in our credit union branch at Battle Ground, WA.

Your money, your way.

Free of monthly fees, high in rewards, and made for dividends—Columbia CU has the high interest checking account to fit your needs.

Income
Checking

Make your money work harder for you with a high interest checking account.

RewardsPlus
Checking

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

Spend
Checking

Learn about money management with a first checking account for kids up to age 18.

Columbia Credit Union Personal Checking Account Rewards!

HIGH YIELD CHECKING

Earn 6.00% APY¹ with Income Checking.

Plus, Income Checking + VISA Credit Cards work together. Combine your debit and credit card transactions to unlock (1) a high interest rate of 6.00% APY1 on your Income Checking balances up to $25,000 and (2) get 0% APR2 for 12 months on purchases and balance transfers made within the first 90 days with your VISA credit card. 

Earn your checking high yield each month with these 3 qualifications:

  • 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

Scroll down to see the full terms.

SPEND CHECKING

Open your first checking account.

Spend Checking is a free account for kids up to age 18 with a parent or guardian co-account holder. Pick a custom-design debit card, get access to Online & Mobile Banking, and learn about your first spending account with budgeting tools, no overdrafts, and lower limits for ATM withdrawals.

Spend Checking comes with all of the following benefits:

  • Free debit card (no minimum age requirement)
  • No monthly fee, minimum balance or overdrafts
  • Lower limits for (unlimited) ATM withdrawals

Scroll down to see the full terms.

Checking Accounts

Three free checking options

Each month, earn 6.00% 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 6.00% 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
  • If you don’t meet the qualification requirements, you will earn 0.05% on your balance and ATM fees will not be reimbursed
  • No monthly fee or minimum balance requirements
  • No Columbia CU ATM fee
  • Free Online and Mobile Banking, debit rewards, budgeting tool, and e-statements
  • $1 minimum to open
  • Available with Stash Your Cash
  • Direct Deposit
  • More Details

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

A free account for kids up to age 18 with a parent or guardian co-account holder. Learn about your first spending account with all of the following benefits:

  • Free standard or custom-design debit card
  • Free Online & Mobile Banking, budgeting tools, debit rewards, and e-Statements
  • No monthly fee
  • No minimum balance
  • No overdrafts
  • Lower limits for (unlimited) ATM withdrawals
  • $1 minimum to open
  • Automatically converts to Income Checking when child turns 18

EARLY DIRECT DEPOSIT

What can getting paid up to 3 days early do for you?

Open an account with early direct deposit to get your money to you up to 3 days sooner than your regularly scheduled payments.

All the features that come with your debit card:

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

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

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

Use Card Manager in Online & Mobile Banking to ensure your cards don’t hit any turbulence while you’re away. 

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
  • If the full $100 is not available in your linked accounts, but there is enough to cover the overdraft, 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

To get started, just call 360.891.4000, visit a branch, or use the Digital Assistant.

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 CU cover your everyday debit card purchase when you don’t have enough available funds in your checking account or through Overdraft Protection

$100 FOR YOU! $100 FOR THEM!

Refer a Friend for $100

Refer a friend to open their first checking account with Columbia CU and we’ll deposit $100 into BOTH of your accounts. Just our way of saying thanks—and welcome! And, a great way for you to share the value offered through Columbia Credit Union membership with your friends and family.

Financial education lesson

Checking Accounts

Learn about the features, benefits, and functions of checking accounts.

Need a savings account?

 

¹APY=Annual Percentage Yield and is accurate as of July 10, 2023 and can change at any time without notice. Minimum to open is $1. To earn Rewards APY, you must meet each of the following Requirements during the period of the 26th of the prior month to the 25th of the current month: 1) Enrolled in e-Statements by 11:59 p.m. PT; 2) Have a direct deposit of at least $500 into Income Checking; 3) Have 15 posted* Income Checking debit card or Columbia CU credit card purchases; pending transactions do not qualify. Please Note: Debit and credit card transactions may not post (or may show as pending, not posted) to your Income Checking or Credit Card Account the same day as the purchases. *Definition: A posted transaction has fully processed and appears on your account statement or in online & mobile banking with a transaction date. Credit card purchases count toward Requirements when the same person is the Tax Reported Owner (member) on the Income Checking and the credit card account. ATM withdrawals don’t count toward Requirements. Limit one (1) Income Checking per Tax Reported Owner (Member).

 

20% Introductory Annual Percentage Rate (APR) for 12 months on purchases and balance transfers made within the first 90 days. After the Intro APR offer ends, a Variable APR that’s currently 12.99% – 24.99% will apply. Subject to credit approval. Other terms and conditions may apply. See disclosures for additional detail.

 

3Early direct deposit is available for checking members that set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension, or government benefits). Early direct deposits may be available to you up to 3 days earlier, however, we are dependent on the timing of your payer’s payment and therefore you may not always see your direct deposits arrive early.