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Checking Accounts

Looking for variety? Add a savings account spin to your checking account with Round UP. Earn dividends with commonWEALTH Checking. Get a second chance with a 20/20 Checking Account. At Commonwealth Credit Union, the choice is yours.


Manage your money any way you like

In the 21st century, checking accounts are about so much more than paper checks. At Commonwealth Credit Union, our checking options can help you earn extra cash, make fast debit card purchases, pay bills in minutes through Online Banking, and take care of business on-the-go with our user-friendly mobile app.
Round UP checking logo with added space for use on the Checking Account pageSure, you use your checking account to pay your bills and cover other expenses. But every time you use your debit card, you could actually be saving money at the same time you're spending it.


  • Every debit transaction will be “rounded up” to the next whole dollar amount and deposited into your Round UP Savings account, which earns 5.00% APY* 
  • We’ll match 100% of the rounded up transfers for the first 90 days, and 5% thereafter for a maximum of $250 per year*
  • Free Visa debit card that you can connect to your mobile wallet for quicker, more secure transactions
  • Unlimited access to Digital Banking and Mobile App**
  • Withdraw money at a nationwide network of 70,000 surcharge-free ATMs
  • Overdraft Protection*** and Overdraft Privilege****
  • Reorder checks easily through Deluxe

* Annual Percentage Yield. Rate effective as of January 1, 2022. 100% match of the round up transfer amount will be paid at the end of the first 90 days. 5% of round up transfer amount, maximum of $250, will be paid annually on the first business day after your anniversary of account opening. Rates may change after the account is opened. Fees could reduce earnings on the account. Online Banking and eStatement are required.

** Data and other wireless carrier charges may apply.

***You can choose to have funds transferred from your savings account or additional checking account to cover amounts more than your available balance.

**** Overdraft Privilege is a discretionary overdraft service, requiring no action on your part, that provides you a safety net up to an automatically assigned overdraft limit. Your Overdraft Privilege Intelligent limit may be available for checks and other transactions made using your checking account number, such as an automatic (ACH) payment transaction, automatic bill payment or recurring debit card payment. If you request us to do so (opt in), we may authorize ATM transfers or withdrawals and everyday debit card purchases using your available balance and your Overdraft Privilege limit. For business accounts the limit may be available for ATM and everyday debit card transactions with no action required. Balances displayed do not include the Overdraft Privilege limit. There is no additional cost associated with Overdraft Privilege unless you use it. If you do use the Overdraft Privilege limit, you will be charged our paid item OD Privilege fee of $32 for each overdrawn item created by checks and other transactions made using your checking account number, such as an automatic payment (ACH) transaction, automatic bill payment, or recurring debit card payment. For Overdraft Privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Overdraft Privilege as a continuing line of credit; and (3) have no legal orders, levies or liens against your account.

commonWEALTH Checking logo.It's our basic checking account. But it's far from stripped down to the bones. Perks include dividends on your deposits, a free Visa debit card, and state-of-the-art digital banking.



  • No minimum balance
  • No monthly fee
  • Competitive dividends paid on your deposits
  • Withdraw money at a nationwide network of 70,000 surcharge-free ATMs
  • Overdraft Protection* and Overdraft Privilege**
  • Free Visa debit card that you can connect to your mobile wallet for quicker, more secure transactions
  • Unlimited access to Digital Banking and Mobile App***
  • Withdraw money at a nationwide network of 70,000 surcharge-free ATMs
  • Reorder checks easily through Deluxe


* You can choose to have funds transferred from your savings account or additional checking account to cover amounts more than your available balance.

** Overdraft Privilege is a discretionary overdraft service, requiring no action on your part, that provides you a safety net up to an automatically assigned overdraft limit. Your Overdraft Privilege Intelligent limit may be available for checks and other transactions made using your checking account number, such as an automatic (ACH) payment transaction, automatic bill payment or recurring debit card payment. If you request us to do so (opt in), we may authorize ATM transfers or withdrawals and everyday debit card purchases using your available balance and your Overdraft Privilege limit. For business accounts the limit may be available for ATM and everyday debit card transactions with no action required. Balances displayed do not include the Overdraft Privilege limit. There is no additional cost associated with Overdraft Privilege unless you use it. If you do use the Overdraft Privilege limit, you will be charged our paid item OD Privilege fee of $32 for each overdrawn item created by checks and other transactions made using your checking account number, such as an automatic payment (ACH) transaction, automatic bill payment, or recurring debit card payment. For Overdraft Privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Overdraft Privilege as a continuing line of credit; and (3) have no legal orders, levies or liens against your account.

*** Data and other wireless carrier charges may apply.

20/20 logo.They say that hindsight is 20/20. If you had a second chance to have a checking account, what would you do differently? With our 20/20 Checking, you get a long list of features and an opportunity to get your finances back on track.


  • No minimum balance
  • $10 monthly fee
  • Free Visa debit card that you can connect to your mobile wallet for quicker, more secure transactions
  • Access to Digital Banking and Mobile App*
  • Opportunity to transition to a commonWEALTH Checking after one year**
  • Other eligibility requirements apply. Please contact one of our Financial Service Representatives for more details to see if you qualify.


* Mobile Deposit feature disabled. Data and other wireless carrier charges may apply.
** Certain requirements must be met to qualify, ask an FSR for details. Members who meet these requirements will be notified of their eligibility for the commonWEALTH Checking Account.



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Apply Now

Opening a new checking is as easy as 1-2-3.
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Switch it

Switch all of your direct deposits and automatic recurring payments from your current checking to your new Commonwealth Credit Union checking account.

wait - there's more

All of these options. Also yours. Just another way to help you create the account experience that's uniquely yours.  



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Visa Checkout

So who shops online these days? Almost everyone. Now, you can make the process quicker and more secure. When you enroll in Visa Checkout, you no longer have to type in your debit card number and shipping address every time you make a payment with your tablet, smartphone, or computer. And with multiple layers of security, Visa Checkout provides the peace of mind you need.

Enroll in visa checkout

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Account-to-Account Transfers 

Many of our members also do business at other financial institutions. So we've made it easier to transfer funds between your Commonwealth Credit Union accounts and those at other banks or credit unions. You'll find our Account -to-Account service within Online Banking. Just click the "Set Up New Accounts" button, provide information about your outside accounts, and start transferring funds.
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NATIONWIDE ATMS

Over 389,000 surcharge free ATMs nationwide!

Access to cash when you need it - thanks to our partnerships with the Allpoint, Alliance One, and CULIANCE, and CO-OP Networks.

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Exclusive Discounts

As a Commonwealth Credit Union member, you enjoy valuable discounts on various products and services through the Love My Credit Union Rewards program. For example, save 40% on a one-year membership to Sam's Club, which you can use to stock up on your important supplies.

View Discounts



Protection comes standard

Scam artists and identity thieves seem to be everywhere these days. The best way to fight fraud? With a team effort.

If you are contacted by our fraud monitoring company, we encourage you to return their call at 866.798.3369 to verify any transactions. The service will clearly identify itself as “Commonwealth Credit Union Fraud Prevention Services.” Follow the prompts, and at any time during this call, you may press zero to speak to a live representative.
Our mobile app can also be used to control spending and stop suspicious activity on your debit or credit card. Sign up for alerts to receive notifications almost immediately after transactions are authorized. Learn more about setting up this defense against fraud.


















round up in action

With Round UP, saving money becomes effortless. That's because every time your spend money, you're actually saving money. 


Commonwealth Credit Union is a full-service, not-for-profit financial institution with branches throughout Kentucky, serving as the official credit union of the University of Louisville.
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Does your debit card need a friend?

Balance out your wallet with a Commonwealth Credit Union MY Card, our premier credit card with Everyday Rewards.

Learn More About My Card