• For Ages 13 thru 25
  • No Minimum Balance
  • No Monthly Service Charges
  • ATM Fee Refunds up to $10 per month*
  • iTunes or Redbox Fee Refunds up to $5 per month*
  • Unlimited Check Writing Privilege - You can write as many checks as you want with no extra charge.
  • Detailed Monthly Statement - Emailed to you.
  • Surcharge-Free ATM Network - Over 35,000 surcharge-free ATMs available nationwide through the Commonwealth CU, Allpoint and Alliance One ATM networks.
  • 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.
  • Automatic Payment Option - Designated payments (such as utility bills) can be automatically paid from your Checking Account.
  • First Box of Checks Free (click here)
  • 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, eStatement and Bill Payment.

*Online Banking, eStatement and 15 or more Global Card signature-based transactions per month are required to be eligible for the refunds and rewards aspect of Start SMART Checking. ATM refunds are for non-Commonwealth Credit Union ATMs that charge surcharge fees. Account does not earn dividends.

 

  • No Minimum Balance
  • No Monthly Service Charges
  • Earns Dividends - All balances earn dividends based on the average daily balance, paid and compounded monthly.
  • Unlimited Check Writing Privilege - You can write as many checks as you want with no extra charge.
  • Detailed Monthly Statement
  • Surcharge-Free ATM Network - Over 35,000 surcharge-free ATMs available nationwide through the Commonwealth CU, Allpoint and Alliance One ATM networks.
  • 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.
  • First Box of Checks Free (click here)
  • 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, eStatement and Bill Payment.

 

Over 35,000 Surcharge-Free ATMs are available with both
StartSMART Checking and CommonWEALTH Checking.

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.

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 (Global) 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. $25 OD Privilege fee per incident. See "Rate and Fee Disclosure" booklet for complete fee information. Payments made on behalf of member is 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.