Last Updated: 01/21/2026
Cy-Fair Federal Credit Union Z-Checking Account
Unaffiliated
Last Updated: 01/21/2026
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Highlights
Welcome Offer
N/A
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.01% - 5.11%(Verified 06/21/2024)
Monthly Service Fee
$0(Verified 01/21/2026)
Cy-Fair Federal Credit Union Z-Checking Account Review
The Cy-Fair Federal Credit Union Z-Checking Account is offered by Cy-Fair Federal Credit Union, a credit union founded in 1956 and based in Houston, TX. Cy-Fair Federal Credit Union Z-Checking Account is available in 50 states and Washington, DC.
Key Takeaways
- Up to 5.11% annual percentage yield (APY). This account offers an annual percentage yield of up to 5.11%, which is much higher than the average for the checking accounts that we track
- No monthly maintenance fee. To maintain a monthly service fee free Z-Checking Account, account owners agree to maintain e-statements and either monthly direct deposit or ACH deposit. Accounts that do not meet these requirements will be converted to an Advantage Plus Checking Account and will be subject to the Advantage Plus Checking Account rates, fees and terms.
- No ATM fees. Cy-Fair Federal Credit Union Z-Checking Account does not charge fees on ATM transactions within its network but there is a fee of $2.00 for out-of-network ATM transactions .
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States when you enroll in Cy-Fair Federal Credit Union mobile or online banking.
Cy-Fair Federal Credit Union Z-Checking Account Pros & Cons
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Cy-Fair Federal Credit Union Z-Checking Account FAQ
Are checking accounts from Cy-Fair Federal 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 Cy-Fair Federal Credit Union Z-Checking Account offer?
Cy-Fair Federal Credit Union Z-Checking Account offers an APY starting at 0.01% and ranging up to 5.11% (APY stands for annual percentage yield, rates may change).
| Rates | Amount |
| APY (Annual Percentage Yield) | 0.01% - 5.11% |
What are the account minimums for Cy-Fair Federal Credit Union Z-Checking Account?
Cy-Fair Federal Credit Union Z-Checking Account requires a minimum initial deposit of $25.00.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Balance to Earn APY | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | $25.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Cy-Fair Federal Credit Union Z-Checking Account charge?
To maintain a monthly service fee free Z-Checking Account, account owners agree to maintain e-statements and either monthly direct deposit or ACH deposit. Accounts that do not meet these requirements will be converted to an Advantage Plus Checking Account and will be subject to the Advantage Plus Checking Account rates, fees and terms.| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | $2.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $6.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $3.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $20.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $40.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposited Check | $29.00 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Cy-Fair Federal Credit Union Z-Checking Account charge overdraft fees?
Yes, Cy-Fair Federal Credit Union Z-Checking Account charges a $29.00 fee for every overdraft.What features and perks does Cy-Fair Federal Credit Union Z-Checking Account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Cy-Fair Federal Credit Union Z-Checking Account allows you to manage your money online or with a mobile app. This includes depositing checks1 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 Cy-Fair Federal Credit Union Z-Checking Account?
The customer support email for Cy-Fair Federal Credit Union Z-Checking Account is info@cyfairfcu.org.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
9:00AM - 1:00PM