INCOME CHECKING

Make your money work harder.

Earn 1.00% APY¹ on balances up to $25,000 and get $25 in nationwide ATM fee rebates each month your free account qualifies in 3 easy steps:

  1. Enroll in e-statements

  2. Have a direct deposit of at least $500

  3. Make at least 15 purchases between your Income Checking debit card and Columbia CU credit card

INCOME CHECKING

Make your money work harder.​

Earn 1.00% APY¹ on balances up to $25,000 and get $25 in nationwide ATM fee rebates each month your free account qualifies in 3 easy steps:

  1. Enroll in e-statements

  2. Have a direct deposit of at least $500

  3. Make at least 15 purchases between your Income Checking debit card and Columbia CU credit card

EARLY DIRECT DEPOSIT

Get paid up to 3 days early.

Open an account and enjoy our early direct deposit to get your money up to three days early.²

Credit Cards

You already shop local. Now get a great local deal on three credit card options powered by Visa.

Credit Cards

You already shop local. Now get a great local deal on three credit card options powered by Visa.

Mobile Wallet

Pay without making contact.

Rack up your 15 qualifying purchases for Income Checking with your mobile device. Pay at the register without swiping your cards or within apps without entering payment and contact information. 

To start going contact-free, just add your Columbia CU debit or credit cards to the Apple Pay, Google Pay, or Samsung Pay app on your Apple, Android, or Samsung device.

Savings tools for fresh starts:

Stash Your Cash

Grow your savings automatically with every purchase.

Automatic Transfers

Transfer funds in the event of an overdraft.

IRA Planning

Save for retirement, college, and your family's future.

Get the Columbia CU
Mobile App

Access your accounts from anywhere for free.

Money Market Accounts

Looking for more ways to save?

Earn higher dividends on your savings while maintaining flexibility with a Money Market Account.

  • No high minimum balances
  • Free personalized checks
  • 24/7 Online and Mobile Banking access

Investments & Insurance

Meet with one of our Financial Advisor Representatives, available through CUSO Financial Services, L.P.³, for a no-cost, no-obligation meeting over the phone to discuss retirement, estate, or investment planning.

¹APY=Annual Percentage Yield and is accurate as of January 1, 2022, 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.

²Early 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.

³Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (“CUSO Financial”), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor.  Products offered through CUSO Financial: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CUSO Financial. Columbia Credit Union has contracted with CUSO Financial to make non-deposit investment products and services available to credit union members. Atria Wealth Solutions, Inc. (“Atria”) is a modern wealth management solutions company and is not a Registered Investment Advisor or broker-dealer. Investment products, services and advice are only provided through CUSO Financial, a subsidiary of Atria.