Free Checking Account

Tired of high checking fees and hidden service charges at big banks? A Common Trust Federal Credit Union Free Checking Account, also known as a Share Draft Account, gives you a smarter, more affordable alternative. Discover how easy it is to manage your monthly finances with a full-featured, truly free checking account built for Massachusetts members.

Account Highlights

• NO Minimum Balance

• NO Monthly Service Charge

• NO Per Check Fee

• Overdraft Line of Credit (must apply)

• Direct Deposit

• Direct Bill Payment

MasterMoney® Debit Card: Convenience Everywhere You Shop

Our Debit Card means less hassle and more convenience for you. Use it as a check wherever the Mastercard logo is displayed, or use it as an ATM card at thousands of ATM locations displaying the CO-OP, NYCE, SUM, or CIRRUS® symbols. Look at these advantages.

Shop Like You Would With a Check

Use it as you would a check at merchants and vendors wherever you see the Mastercard® logo. You avoid hassles over ID, and since it's a card, there is no check to write.

Use It Like a Credit Card, With No Fees or Interest

Use it as you would a credit card when making purchases, making reservations, paying for hotel and motel rooms, shopping by phone, or for any other reason that you would use a credit card. Since the money is taken from your designated credit union share draft account, there are no fees or interest to pay*.

Withdraw Cash and Check Balances at ATMs Everywhere

Use it as an ATM Card to withdraw money at ATMs everywhere. You can also use it to verify your account balances and transfer money. And it is safe; no cash to carry or lose.

Do you have one? Call or drop by Common Trust Federal Credit Union to apply for a Debit Card.

*If it activates your overdraft protection, interest may apply.

To change your PIN on your debit card, call 1 (866) 762-0558 and follow the prompts. (You will need to know your current PIN in order to change it.)

Overdraft Protection: Peace of Mind for Your Checking Account

Hand-in-hand with your Free Checking Account, we offer overdraft protection, which automatically transfers funds from your savings account to your checking account if you bounce a check (fee applies and must be set up). It's one more way we help Massachusetts members bank with confidence. For more information, call Common Trust Federal Credit Union.

Looking for more information? Contact us today!