Checking Accounts

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Customize your Debit Card with a Personalize It! PhotoCard.

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Commonwealth Credit Union offers you the ability to customize your debit card with your own backgrounds through Personalize It! This service is offered for all of the following checking accounts:

Dare to compare! Our Checking Accounts Are The Best Around!


Our standard checking account with NO minimum balance and NO monthly fees. All balances earn dividends based on the average daily balance, paid and compounded monthly.

CommonWEALTH Checking Benefits Include:
  • Our Standard Checking
  • No Minimum Balance and No Monthly Fees
  • Earns Dividends - All balances earn dividends based on the average daily balance, paid and compounded monthly.


Forget about your savings account this month? RoundUP lets you save money without any hassle. Each debit transaction will be "rounded up" to the next whole dollar amount and deposited into your savings.

RoundUP Checking Benefits Include:
  • Each debit transaction will be "rounded up" to the next whole dollar amount.
  • The rounded up funds will be deposited into the Round Up Savings Account.
  • We’ll match 100% of the rounded up transfers for the first 90 days, and 5% thereafter for a maximum of $250 per year.
  • Your Round Up Savings will earn 5% APY*, Paid Annually**
  • Click here to convert your existing checking.
*Annual Percentage Yield assuming dividends are reinvested. Dividend calculation does not include Debit Card returns or adjustments. No additional deposits are allowed for the RoundUp Savings Account. Rates subject to change without notice.
**Estatement/Online Banking enrollment is required.
Additional Features For All Checking Accounts
  • Surcharge-Free ATM Network - Over 70,000 Surcharge-Free ATMs available.
  • Overdraft Protection - You can choose to have funds transferred from your savings account(s) or additional checking account to cover the check(s) that you accidentally write for more than your available balance.
  • Overdraft Privilege (on eligible accounts)* - Provides coverage for your overdrawn account - Protects your credit rating.
  • Automatic Payment Option - Designated payments (such as utility bills) can be automatically paid from your Checking Account.
  • Direct Deposit - The fastest way to have your paycheck, Social Security, state or military retirement check or tax refund deposited into your account.
  • Online Check Viewing - Look up and print copies of your cleared checks any time through your free Commonwealth CU Online Banking account.
  • Free Online Banking, Mobile Banking, eStatement and Bill Payment.
  • Oops Refund
  • If you accidentally overdraw your account, the first one is on us. We'll give you a full refund of the overdraft fee.

Additional Account Information

View Check Styles or Reorder Checks

Commonwealth CU offers a wide assortment of affordable and stylish checks. To learn more about our check styles, click here.

If you already have a Commonwealth CU Checking Account and need to reorder checks, click here.

If you have changes to your Commonwealth CU checks, click here.

Check Protect/Advantage:

If you would like to track your existing check order, click here.

(Please have your Account Number, Routing Number and beginning Check Number available)
Have A Checking Account At Another Financial Institution?

Click here to see how easy it is to switch your current Checking Account to a Commonwealth CU Checking Account.

Business or Organization Checking Accounts

Provide us with your Federal Tax ID number and we will establish your account.

* Commonwealth CU will "cover" your overdrawn check(s), ATM transactions, ACH or debit card transactions, up to $500 for eligible members with direct deposit, or up to $300 for all other eligible members. Checking account must be open at least 30 days before Overdraft Privilege takes effect. Checking account must have positive balance restored within 30 days to avoid penalties. $29 OD Privilege fee per incident. See "Rate and Fee Disclosure" booklet for complete fee information. Payments made on behalf of member are at the discretion of Commonwealth CU. This is not a contractual agreement, and the privilege may be withdrawn at any time. Please see our Discretionary Overdraft Privilege Policy for eligibility requirements.