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Checking Essentials

Essentials Checking Requirements:

  • CPM Federal Credit Union Membership
  • $25 required to open
  • No minimum balance
  • No dividends paid
  • Maintain minimum $5 in Main Savings Account
  • Low monthly maintenance fee*
  • Direct deposit or allotment of $300 or more


  • Low monthly maintenance fee
  • CPM Anytime Online and Mobile Banking** (Billpay and eDeposit not included)
  • No minimum balance
  • Visa® Debit CardNav Card Controls offering customizable transaction alerts
  • Contactless payments such as Apple Pay®, Samsung Pay® and Google Pay®
  • Access to our 24-hour Personal Account Line (PAL)
  • Monthly eStatement - Avoid monthly statement fee by enrolling in eStatements
  • More surcharge-free ATMs than Wells Fargo and Bank of America combined!

Upcoming Fee Changes:

Beginning July 5, 2023, the Essentials Checking account monthly maintenance fee will increase from $5.95 to $6.95.


*Monthly fee of $5.95.
**Mobile phone carrier fees may apply.

Annual Percentage Yields are accurate as of December 19, 2022 and subject to change.

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