Free Checking plus more.
Premium Checking Account
This account offers great perks and no minimum balance requirements or monthly service charges. Get started with a $1,500 per month direct deposit.
• Cash back: 10¢ cash back for every
point-of-sale transaction
• Get Paid Early: Receive your regular direct deposits up to 2 days early
• ATM Reimbursements: Get up to $12 per month for out-of-network ATM fees *
Regular Checking Account
Enjoy our Free Regular Checking account – no fees, just the essentials, and it even earns interest. Simple, straightforward, and really free!
Student Checking Account
Parents, give your kids a head start on learning smart money habits! Our free Student Checking Account comes with built-in safeguards, like daily limits on spending and ATM withdrawals, so they can learn to manage money while you enjoy peace of mind
Checking Options
Choose the Checking Account that Fits You
| Features & Benefits | Premium Checking |
Regular Checking |
Student Checking |
|---|---|---|---|
|
Cash back globally |
True |
False |
False |
|
Consumer loan discount |
True |
True |
False |
|
Overdraft Protection available |
True |
True |
True |
|
Early access to payroll and regular direct deposit |
True |
False |
False |
|
ATM Reimbursement |
True |
False |
False |
|
Mortgage discount program |
True |
False |
False |
Our contactless debit cards come with all of the benefits you've come to expect:
Access your cash
Get access to over 5000 branches across the US through Co-op Shared Branch and over 55,000 fee-free ATMs.
Mobile Wallet
Add your debit or credit card to your phone’s mobile wallet and enjoy fast and secure checkout.
Instant Card
If your card is lost or stolen, get a replacement issued instantly at one of our full-service branches.
Card Control App
Set limits, get alerts, turn your card on and off, and manage travel—all in one easy to use app.
Go paperless with eStatements
Access your statements anytime, anywhere—securely and all in one place. Signing up is quick and easy!
Ready to open your free checking account?
-
*Free ATM network includes Central One, SUM and Allpoint terminals. Out of network terminal owners may charge a service fee.
**Dividends based on average daily balance, visit Our Rates and Service Charge Disclosure for current Annual Percentage Yield (APY). Dividend rates are accurate as of the last dividend declaration date.
¹ Premium Checking Terms Apply. Please see Our Rates and Service Charge Disclosure and Member Service Agreement for details.
^ Some restrictions apply; excludes 15/5 ARM mortgages and lines of credit.
All accounts must meet eligibility requirements. All checking accounts are considered variable rate accounts and rates are subject to change at any time without notice. Fees or other conditions may reduce earnings on the account. See Our Rates and Service Charge Disclosure and Member Service Agreement for details.
Go Paperless with eStatements
• Log in to your Online Banking Account
• Click eStatements and tax forms from the top men
• Review and accept the Central One Federal Credit Union eStatement disclosure and agreement
• Provide a valid email address and click submit
• Choose how you want to be notified when new notices or statements become available: text message or email.
Need help? Contact our Member Support Center at 800-527-1017 or visit a branch for assistance.
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Rates effective as of: April 4, 2025
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Open Account
Ice Cream Day Dates
All Ice Cream Day events are from 4:00 – 6:00 pm.
June 12th- Auburn Branch, 63 Southbridge Street
July 24th- Westborough Branch, 40 South Street
July 31st- Milford Branch, 82 Prospect Street
August 7th- Northborough Branch, 148 Main Street
August 28th- Shrewsbury Branch, 714 Main Street
August 15th- Worcester (Saint Vincent Hospital) Branch – We’ll be serving Goody’s Kettle Corn at the branch all day!
Food Truck Dates
All Food Truck Events are from 11:00 am – 1:00 pm.
July 12th- Westborough Branch, 40 South Street: Tacoborough Food Truck
August 9th- Shrewsbury Branch, 714 Main Street: Savage Wraps Food Truck
August 14th- Worcester (Saint Vincent Hospital) Branch – Garden Fresh sandwiches in-branch
August 23rd- Auburn Branch, 63 Southbridge Street: Bird’s Nest Panini Food Truck
September 6th- Northborough Branch, 148 Main Street: Tacoborough Food Truck
Milford – Off the Hook
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