Features of Windfall Checking
You work hard for your money and we think it should work hard for you. Windfall Checking® is our high-yield checking account that actually pays you back.
With Windfall Checking, the benefits keep coming:
Enjoying the benefits of a Windfall Checking account is simple. All you have to do is:
- Sign up to receive your
- Have a
direct deposit into your account.
- Have at least 12 CCU Visa® credit or check card purchases posted to your account each month.
Already have a checking account with CCU?
Converting to a Windfall Checking account is simple! Just give us a call.
Membership eligibility required. *APY=Annual Percentage Yield. APY is effective as of January 3, 2020, and is subject to change. Dividends paid on balances up to $20,000. **ATM fees refunded up to $30 a month. If requirements are not met, no dividend will be paid and ATM fees will not be refunded.
Protects your checking account from insufficient funds by automatically transferring funds from your savings account in the event of an overdraft.
Can transfer funds in two ways:
- From savings ($3 fee per item).
- From Visa® via a cash advance.
Enhanced Overdraft Protection
Works in conjunction with overdraft protection to prevent paper checks and ACH (automated clearing house) transactions from being returned for insufficient funds. Once all of the funds available under your savings account have been exhausted, we may access your Enhanced Overdraft Protection amount, up to $400 maximum, for the remainder of the funds needed to cover your checks. This will place your checking account in a negative balance.
- Available to members in good standing over the age of 18.
- Available for ACH transactions and paper checks.
- Can overdraw up to $400.
- There is a $32 charge for each item cleared using Enhanced Overdraft Protection.