Checking

†Other Financial Institutions’ fees may apply.

ATM Card

Access your accounts from thousands of 24-hour ATM’s belonging to the CO-OP, ACCEL, Star and PLUS networks. For free ATM access, use a County Federal or CO-OP ATM whenever possible.

VISA Check Card

Your County Federal VISA Check Card takes the place of checks wherever VISA is accepted…even if regular checks are not welcome. Use it for everyday purchases at the mall, the grocery store, your favorite restaurant, or for phone and mail orders. The amount will be deducted from your Rewards Checking Account and the transaction will appear on your monthly checking statement.

Interactive Fraud Text Alerts

Our text alert service allows you to keep tabs on suspicious activity instantly. At County Federal, we want to make sure that using your debit card is always as safe and convenient as possible. That’s why we use text alerts as part of our ongoing fraud monitoring program.

How It Works

With interactive fraud alerts, if our system detects suspicious activity on your card, you’ll receive a text message with details about the suspected transaction. All you have to do is respond to the text to confirm the transaction. If you indicate the transaction is fraud, you’ll receive another message with a number to call for follow-up. If not, you’re all set. The system will mark the transaction as legitimate and you can get on with your day – simple as that. You must have a County Federal Checking Account in good standing to receive a VISA Check Card. All new accounts are subject to verification.

Overdraft Savings

You can opt to use your Savings Account as a form of overdraft protection. In the event you overdraw your checking account, the overdrawn amount will be transferred from the designated savings account. Certain restrictions may apply.* 

*Federal Regulation D establishes the requirement for all banks and credit unions to maintain a particular monetary reserve amount at the Federal Reserve Bank. Regulation D sets limits on non-transaction accounts (Share Savings accounts, Money Market accounts, and Share Certificate accounts) to ensure funds intended to be deposited for savings stay within the financial institution. If members use their non-transactional accounts as transactional accounts (Checking), financial institutions are at risk for federally mandated penalties. In general, a transactional account is one designed for frequent, unlimited transfers of money without withdrawal penalties. If you access non-transactional accounts more than six times per month through a non-personal withdrawal, you may be charged a penalty fee in accordance with Regulation D. Non-personal withdrawals include the following transactions: ACH transfer, automatic transfers to other accounts, Online Connection transfers, Direct Connect 24 transfers, transfers over the phone, overdraft transfers, checks, or point of service (POS)/Check Card transactions. Personal withdrawals made in person at a branch, via ATM or in writing are exempt from Reg D limitations.

Overdraft Line of Credit

Avoid “bounced” or returned checks with our Overdraft Line of Credit. In the event of an overdraft, the funds are automatically transferred to clear any outstanding checks up to your approved credit limit. Using an Overdraft Line of Credit is less costly than paying an NSF (non-sufficient funds) fee and you only pay interest on the amount that was transferred to cover the overdraft. Plus there are no restrictions on the number of overdraft transfers from a Line of Credit.

Courtesy Pay