Three accounts to choose from.
Chicago Municipal Employees Credit Union offers several different types of checking accounts, so you can choose the one that best meets your needs.
You can choose from E-Checking Checking, Basic Checking, or Universal Checking.
See all the features below:
| Features | E-Checking | Basic | Universal |
|---|---|---|---|
| To avoid monthly service fee | Direct Deposit, Payroll Deduction of $250 or $2,0001 | Direct Deposit, Payroll Deduction of $250 or $2,0001 | Direct Deposit, Payroll Deduction of $250 or $2,0001 |
| Minimum balance to open account with privileges | No Minimum | No Minimum | No Minimum |
| Minimum balance to open account with dividends & no service fee | Non-interest bearing acct. | $1,000 avg daily balance in your checking (Rate - 0.05% APY2) | $2,000 avg daily balance in your checking (Rate - 0.10% APY2) |
| Monthly service fee without direct deposit, payroll deduction of $250 or $2,000 minimum1 | $6.00 | $6.00 | $6.00 |
| Out of Network ATM Transactions | $3.00 | $3.00 | $3.00 |
| Courtesy Pay - Overdraft Privileges | Courtesy Pay up to $6001 | Courtesy Pay up to $6001 | Courtesy Pay up to $6001 |
| Rate discounts on loan products | -- | .25% for secured products | .25% for secured and unsecured products |
| 24-hour Telephone Teller service | Free | Free | Free |
| Call center | M-F 8:30 am - 5:00 pm for your convenience to talk to a live person | M-F 8:30 am - 5:00 pm for your convenience to talk to a live person | M-F 8:30 am - 5:00 pm for your convenience to talk to a live person |
| CMECU Debit/ATM Transactions (Allpoint surcharge-free ATM network) | Free | Free | Free |
| Notary Public | Free | Free | Free |
| Check writing limits | N/A | Unlimited | Unlimited |
