checking options

Family in front of laptopWe offer two types of Checking Accounts:

1. CENTRALchecking
You work hard for the money you keep in your checking account, you don't need to pay a fee to keep it there.

  • Access to over 30,000 fee-free CO-OP ATMs using your Visa Debit Card.
  • No fees (Except for the price of your checks.)
  • No minimum balance requirements
  • No maintenance fees
  • Free Visa Debit Card (See below) Access to funds through ATMs, Direct Deposit, Payroll Deduction, Visa Debit card, CARE: 24-hour telephone teller and CENTRALnet Internet Banking.

    Visa Debit Cards:
    Visa Debit Cards can be used just like your credit card, anywhere Visa is accepted - with one big difference; each charge is automatically deducted from your CENTRALchecking account. Use it instead of checks to buy groceries, gasoline or anything else!

      • Use wherever Visa is accepted (practically everywhere!)
      • No Personal Identification Number (PIN) required if you choose the "credit" option - just sign as you would for a credit transaction
      • Doubles as an ATM Card for cash withdrawals (PIN required)
      • Funds are deducted from your CENTRALchecking account
      • It's FREE -ask us and get one today!
      • Please read about the upgraded Debit Card Fraud Protection system below.

    CO-OP ATMS: Surcharge-free access to your money, almost anywhere
    CO-OP offers a nationwide network of nearly 30,000 surcharge-free ATMs. ATM terminals within the network can be found at many credit unions and select retail locations including 7-Eleven®, Walgreens, and Costco®. You have more direct, surcharge-free access to your money than most traditional bank customers do. Try a zip code search in the CO-OP ATM Locator box to the right!
2. Renew Checking ... a renewed opportunity!
Have you had some trouble with checking accounts in the past? Looking for a checking account to help you get back on your feet? Renew Checking can give you a renewed opportunity to handle your personal finances.

  • Even if you have a record on Chexsystems, you may be able to open a Renew Checking Account.
  • Renew Checking must be established with net pay direct deposit and does incur a monthly fee (see fee schedule).
  • After 12 months of proper usage, you may reapply for a free CENTRALchecking account!
Let your Credit Union renew your hopes of having a checking account! Apply for your Renew Checking today! (410) 828-4500 - Call today!

Upgrade to Debit Card Fraud Detection and Notification System
As part of our continuing effort to bring the best technology and service to our members, we at Central Credit Union of Maryland are upgrading our Fraud Detection and Notification System. The new system will provide more immediate attention to notify our members faster when fraud is suspected. The notification portion of the system includes a state-of-the-art automated assistant to help our members review transactions and confirm their spending activity on DEBIT CARDS.

If you receive a notification call from our automated assistant, whom we have nick-named Jill, please work with her to answer questions regarding recent card activity. Please rest assured that our Card Member Security team that provides fraud alert management is monitoring 24 hours per day, 7 days per week.

If suspicious transactions are identified as fraudulent, calls will be transferred to our outstanding member support team at Card Member Security to help you take the necessary precautions to protect your cards and related accounts. If the recent activity is legitimate, members will be able to close the case with the phone attendant using their touch-tone phone.

Thank you for your support through this upgrade and, as always, thank you for being a member of Central Credit Union of Maryland