Citizens Equity FCU Dividend Checking
in
Checking Accounts from Citizens Equity First Credit Union
· Insured by NCUA
Unaffiliated
Citizens Equity FCU Dividend Checking
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| Community Rating |
Rating not yet determined |
| Cashback Rewards | N/A |
| APY (Annual Percentage Yield) |
0.10% (Verified 08/08/2022) |
| Monthly Fee | $0 - $6 |
| Minimum Balance to Avoid Monthly Fee | Starting at $2,500 |
Citizens Equity FCU Dividend Checking Review
Citizens Equity FCU Dividend Checking is offered by Citizens Equity First Credit Union, a credit union founded in 1937 and based in Peoria, IL. Citizens Equity FCU Dividend Checking are available in 2 states across the USA.
Key Takeaways
- Low APY. The maximum annual percentage yield for this account is only 0.10%.
- Charges a monthly fee. This account charges a monthly service fee of up to $6, but the fee is waived if you keep a minimum balance of $2,500.
- Large minimum initial deposit. You need a minimum deposit of $2,500 to open an account. This is a relatively large minimum initial deposit when compared to the other accounts that we track.
- Bill pay. Pay your bills to practically anyone in the United States through Citizens Equity First Credit Union.
CEFCU checking account Pros & Cons
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|---|---|
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CEFCU checking account FAQ
Are checking accounts from Citizens Equity First Credit Union federally insured?
Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does CEFCU checking account offer?
| Description | |
|---|---|
| APY (Annual Percentage Yield) | 0.10% |
CEFCU checking account offers an APY of 0.10% (APY stands for annual percentage yield, rates may change). However, to earn interest account holders must keep an average beginning day balance of $2500.
What are the account minimums for CEFCU checking account?
CEFCU checking account requires a minimum initial deposit of $2,500 to open an account.
| Description | |
|---|---|
| Minimum Opening Deposit | Starting at $2,500 |
| Minimum Balance to Avoid Monthly Fee | Starting at $2,500 |
| Minimum Balance to Earn APY | $2,500 |
What fees does CEFCU checking account charge?
This account charges a monthly service fee of up to $6.
| Description | |
|---|---|
| Monthly Fee | $0 - $6 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | Starting at $1 |
| Foreign Transaction Fee (Debit Card) | 1% |
| NSF Fee | $30 |
| Overdraft Item Fee | $30 |
| Overdraft Protection Fee (per transfer) | $8 |
| Returned Deposit Fee (Domestic) | $20 |
| Returned Deposit Fee (International) | $20 |
| Stop Payment Fee | $15 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
| Wire Transfer Fee - Domestic (Outgoing) | $25 |
| Wire Transfer Fee - International (Incoming) | $20 |
| Wire Transfer Fee - International (Outgoing) | $50 |
| Paper Statement Fee | $5 |
| Online Bill Pay Fee | $0 |
| Debit Card Replacement Fee | $10 |
| Early Account Closure | $0 |
Does CEFCU checking account charge overdraft fees?
Yes, CEFCU checking account charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $8 per transaction.What features and perks does CEFCU checking account offer?
This account includes the following features:
- Fraud monitoring - CEFCU checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - CEFCU checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for CEFCU checking account?
The customer support email for CEFCU checking account is email@cefcu.com.
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Message From CEFCU checking account
Contact
- Headquarters
-
5401 W Dirksen Pkwy
Peoria, IL 61607 USA - (309) 633-7000
- Visit Site
- Email Support
Other Services by Citizens Equity First Credit Union
Availability
Available in 2 states
- California
- Illinois
Feature Breakdown
| Minimum Opening Deposit | Starting at $2,500 |
| Minimum Balance to Avoid Monthly Fee | Starting at $2,500 |
| Minimum Balance to Earn APY | $2,500 |
Citizens Equity FCU Dividend Checking Community Reviews
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