Flexible Checking Accounts for Everyday Banking

At County Excellence Federal Credit Union (County Excellence FCU), we make everyday banking simple, rewarding, and stress-free. Our Checking Account options are designed to fit your lifestyle—with no per-check fees, modern digital tools, and member-focused benefits that make managing your money easier than ever.

Whether you’re seeking a no-fee Checking Account or a premium option with dividends and overdraft coverage, County Excellence FCU has you covered. Learn more on our Checking Accounts page.

Share Draft Checking: Simple, No-Fee Banking

Enjoy hassle-free checking with unlimited check writing, 24/7 access, and no monthly fees. County Excellence FCU’s Share Draft Checking Account gives you flexibility and convenience—without the unnecessary costs.

Key Features:

  • No Per-Check Fee – Write as many checks as you need, with no additional cost.

  • Overdraft Protection – Link to your Regular Savings or another designated account for peace of mind.

  • Payroll Deduction & Direct Deposit – Get your pay automatically deposited.
    24/7 Account Access – Manage your money via Online Banking & e.M.A.G.I.C., our 24-hour Audio Response System.

  • E-Statements – Go paperless and access your account anytime.

Additional Benefits:

  • Visa Debit Card & Smart Choice Debit Card Rewards – Earn rewards while shopping.

  • Online Banking & Bill Pay – Pay bills easily and track expenses in one place.

  • Mobile Banking & Mobile Deposit Capture – Deposit checks and manage your account from your phone (via CEFCU Mobile).

  • E-Statements & e.M.A.G.I.C. – Consistent digital access to your account data.

With Share Draft Checking, you get all the perks of modern banking—without the fees.

Apply for a Checking Account

Courtesy Pay Checking: Premium Benefits & Overdraft Protection

Experience a more robust Checking Account featuring dividends, overdraft privileges, and seamless access. Courtesy Pay Checking is designed for members seeking added security and rewards while managing everyday banking.

Key Features:

  • Dividends Paid – Earn while you spend.

  • No Per-Check Fee – Unlimited check writing at no extra cost.

  • $500 Courtesy Pay Overdraft Privileges – Overdraw up to $500 for up to 30 days to avoid declined transactions.

  • 24/7 Account Access – Manage money anytime via Online Banking & e.M.A.G.I.C.

  • Monthly Statements – Get clear, detailed updates on your account activity.

Additional Benefits:

  • Visa Debit Card & Smart Choice Rewards – Earn points with every purchase.

  • Online Banking & Bill Pay – Keep your finances organized and accessible.

  • Mobile Banking & Mobile Deposit Capture – Bank anytime, anywhere.

  • E-Statements – Reduce clutter and go paperless.

With Courtesy Pay Checking, you enjoy the ultimate checking experience—dividends, overdraft support, and premium convenience all in one.

Apply for Courtesy Checking

Smart Choice Rewards: Earn While You Spend

At County Excellence FCU, we believe in rewarding members for daily banking habits. With Smart Choice Rewards, your debit card usage can translate into real perks.

Earning Rewards is Easy:

Use your Debit Rewards Card for all your daily purchases—from groceries to gas—and earn 1 point for every $4 spent.

Redeem Your Points for:

  • Merchandise

  • Travel

  • Gift Cards

  • Charitable Donations

*Gift cards are not sponsors or co-sponsors of this program. Accounts must be registered within the promotional period to receive bonus points.
Register Now

Start Banking Better Today

At County Excellence FCU, our Checking Accounts are designed to offer simplicity, security, and reward potential. Whether you prefer a no-fee account or premium features, we have an option to match your needs.

All terms, features, rates, and eligibility requirements are subject to credit union policies. Please contact County Excellence FCU or visit our Disclosures page, for full details.
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