Notice: We are currently experiencing intermittent connectivity issues.  Online Banking and Mobile Banking are currently unavailable. Thank you for your patience as we work diligently to resolve this issue.
Notice: Campbell Branch is currently closed due to building maintenance. We apologize for the inconvenience and appreciate your understanding.
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Notice: Our Gilroy branch is currently experiencing intermittent connectivity issues. Thank you for your patience as we work diligently to resolve this issue.
System Maintenance: On Saturday, June 8th, we’ll be performing a scheduled maintenance starting at 9 p.m. PST and ending at 4 a.m. PST on Sunday, June 9th. During this time, Online, Mobile, and Phone Banking will not be available. Thank you for your patience as we update our systems to better serve you.
We’re experiencing technical difficulties with our phone system. We apologize for the inconvenience.
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County Federal will never call, email or text you to ask for information. Questions? Dial us directly at 800-282-6212 - we’re happy to help.
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All County Federal offices and branches will be closed on June 19th, in observance of Juneteenth.
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Are you impacted by the severe weather? Contact us today to apply for our Emergency Relief Loan.


checking card

County Federal continues to look for ways to serve you better, and save you money. Big banks continue to look for ways to make more profits and charge more fees.

Instead of offering multiple checking account options with various requirements to waive monthly service fees, we offer one simple solution: Rewards Checking. Rewards Checking is a straightforward checking account that is truly free. No monthly service fee and no direct deposit requirement; plus the added convenience of a free Visa Check Card without any usage fees†.

Rewards Checking gives you unlimited use of the CO-OP ATM Network (including participating 7-Eleven® and Costco® Stores) and Point Of Sale, you’ll get four free monthly transactions at other financial institutions’ ATMs† with a daily withdrawal limit up to $1,000* per day! Can a big bank do that for you?

If you’re fed up with all the fees of your big bank, then switch your checking account to County Federal Rewards Checking.

Or contact us to learn more about how you can open an account today!

†Other Financial Institutions’ fees may apply.

Rewards Checking FeaturesStarts FreeGets Better
Free ATM Card or Visa® Check CardYesYes
Free Online/Telephone Banking AppsYesYes
Free Mobile Banking AppsYesYes
Free ATM Access*YesYes
Free car shopping assistanceYesYes
Free Credit and Debt CounselingYesYes
No monthly service charge on Rewards Checking AccountYesYes
Free Active Bill Payment ServiceYesYes
First order of checks are free****YesYes
Courtesy PayYesYes
No minimum balance requirement for Rewards CheckingYesYes
Recognition on tenure on checksYesYes
No direct deposit requirementsYesYes
Free Medallion and Signature Guarantee ValidationYesYes
Premium Rate on Regular Share Savings Account*****NoYes
Free, unlimited ATM use at all other financial institution*NoYes
Periodic bonuses and offersNoYes
Dividends on Rewards CheckingNoYes
One free Courtesy Pay waiver per yearNoYes
Free statement copiesNoYes
Free Cashier’s Checks and Money OrdersNoYes
Free outgoing wire transfersNoYes
Periodic Loan discounts and offersNoYes
Equity Advantage Line of Credit annual fee waivedNoYes
Equity Advantage Plus Line of Credit annual fee waivedNoYes
Relationship Rewards

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.

Review Full Disclosure

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.

Or give one of our Loan Advisors a call today at 408-282-0700!

Courtesy Pay

County Federal offers Courtesy Pay as a value added service that will pay an item presented for payment against your Rewards Checking Account, even if it causes the account to become overdrawn. Courtesy Pay even extends to your VISA Check Card or ATM Card. You may be able to overdraw your Rewards Checking Account up to our policy limit (currently $750 but subject to change at any time), as long as your account is in “good standing” and has been open at least 60 days. A $29 per item fee will be incurred each time we pay against an overdrawn account. Federal lawmakers created new rules governing overdraft protection programs which went into effect July 1, 2010. You must now Opt-In if you want to continue coverage through Courtesy Pay to cover your ATM and everyday debit card transactions in the event you exceed your available checking account balance. To opt-in to Courtesy Pay, you may print the Opt-In form and return by mail. Or, visit any County Federal Branch. 

View full Courtesy Pay Disclosure in the Truth in Savings Disclosure.

*Starts Free: Free unlimited monthly ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply) and unlimited use of CO-OP Network ATMs (including 7-11 stores) and POS, $500.00 withdrawal limit per day. Gets Better: Free, unlimited monthly ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply), unlimited use of CO-OP Network ATMs (including 7-11 stores) and POS, $1000.00 withdrawal limit per day.  ****Applies to standard County Federal checks. *****To receive premium rate for the current quarter, your account must be in the Gets Better Option on the last day of the previous quarter.

Product Combination 1-Maintain all of the following: A Rewards Checking Account; A consumer loan with an active balance greater than zero on the last day of the month or a VISA Credit Card with activity within the last 12 months; An average daily balance of $1,500 or more in aggregate Share Accounts for the month OR Product Combination 2: Maintain an average daily balance of $50,000 or more in aggregate Share and/or Loan Accounts, excluding first mortgages. (Average Share Account balances are calculated for the month; Consumer loan balances are as of the last day of the month).

Note: Based on the program requirements, members will be placed into their Relationship Rewards option on the 1st of every month. Fees are applied based on your current option. Review a copy of the current Fee Schedule.

Review a copy of the Truth in Savings Disclosure

Apply for a Free Checking account.

Apply Now

As a County Federal member, you have access to our Free Checking Account. No complex programs, just one checking account that makes managing your finances easy!


No Monthly
Maintenance Fees

That’s right, keep what you earned with no fees to manage your Free Checking account.

dollar sign

No Minimum Balance

No worries, keep on banking! It’s so easy to maintain.


Fee-Free ATMs

More access! Use our Co-Op Network of other ATMs, without a fee.


Local Member Service

As a locally based, full service financial institution established in 1950, we look forward to providing solutions to all of your banking needs.

Fraud Text Alerts

Receive real-time, custom alerts sent straight to your smartphone to help stop fraud in its tracks.

online services

Online and Mobile Banking at Your Fingertips

Pay bills, deposit checks, receive notifications, and more at your leisure without missing a beat in your busy schedule.

Learn More

Apply for a Free Checking account.

Apply Now

*ATM transactions at other financial institutions ATMs (Other financial institutions fees may apply) and unlimited use of CO-OP Network ATMs (including 7-11 stores) and POS, $1,000.00 withdrawal limit per day.

Review a copy of the current Fee Schedule.

Review a copy of the Truth In Savings Disclosure.

Review a copy of the Membership and Account Agreement.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender
Certified - CDFI - US Department of the Treasury