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Rewards Checking

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.

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

†Other Financial Institutions’ fees may apply.

Rewards Checking Features Starts Free Gets Better
Free ATM Card or Visa® Check Card
Free Online/Telephone Banking Apps
Free Mobile Banking Apps
Free ATM Access*
Free car shopping assistance
Free Credit and Debt Counseling
No monthly service charge on Rewards Checking Account
Free Active Bill Payment Service
First order of checks are free****
Courtesy Pay
No minimum balance requirement for Rewards Checking
Recognition on tenure on checks
No direct deposit requirements
Free Medallion and Signature Guarantee Validation
Premium Rate on Regular Share Savings Account***** n
Free, unlimited ATM use at all other financial institution* n
Periodic bonuses and offers n
Dividends on Rewards Checking n
One free Courtesy Pay waiver per year n
Free statement copies n
Free Cashier’s Checks and Money Orders n
Free outgoing wire transfers n
Periodic Loan discounts and offers n
Equity Advantage Line of Credit annual fee waived n
Equity Advantage Plus Line of Credit annual fee waived n

*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. For a copy of the current Fee Schedule, please click here.

For a copy of the Truth in Savings Disclosure, please click here

ATM & VISA Check Card

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.

View Full Disclosure

Overdraft Protection

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.


Apply Now 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 Program, simply click here, or you may also click here to print the Opt-In form and return by mail. Or visit any County Federal Branch.

Click Truth in Savings Disclosure to view full Courtesy Pay Disclosure

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