Checking & Debit Cards

Interest Checking. More Money. Less Hassle.

If you’ve ever considered opening up an Interest Checking account, this may be the perfect time! We’re now offering an even higher APY* on our Interest Checking account. The more you keep in your account, the higher the APY and the more you’ll earn!

There is a $10 monthly fee if your average daily balance falls below $1,000. That’s it. There are no other crazy qualifications or hoops to jump through like making a certain number of debit card transactions each month or logging into Online Banking a certain number of times.

Switching your personal checking account is easy. Start making money on your money and make the switch.

For more information or assistance, please call our Member Service Center at 800.991.2221

*APY = Annual percentage yield. APY’s accurate as of April 1, 2017, are variable and subject to change. Fees may reduce earnings.

Traveling for Spring Break? Don’t forget to tell us.

If you’re traveling over Spring Break, please let us know if you’re going out of town. Otherwise, it’s possible that your credit and debit card transactions from another city or state could be flagged as potential fraud and declined.

Notifying us about your Spring Break travel plans is easy!

From our website log into Online Banking, go to the Secure Forms tab and select Travel Notification and complete the form.
Let us know when you’re at your local Consumers Credit Union office and we’ll make a note in your account.
Go to this link and complete the form.

If you have any questions, please call our Member Service Center at 800.991.2221.

Enjoy your break and safe travels!

Your Choice Checking – Choose an option that works best for you!

When it comes to personal checking accounts, one size doesn’t fit all. Consumers Credit Union members can choose an account that works best for you from three different options:

Simple Checking

There’s no minimum balance requirement, no debit card usage fees and no per check fees.

Simple Checking is FREE to members when you sign up for e-Statements.

Interest Checking

You’ll earn a competitive rate on your money, plus your account will be insured up to $250,000 by the NCUA. You’ll also benefit from unlimited check writing, with free checks for life, up to one box a year.

A $10 monthly fee will be incurred if your balance falls below $1,000.

Business Checking

With no monthly service fee, our business checking accounts you’ll earn interest on daily balances that exceed $10,000. Competitive rates will be earned on tiered balances with no confusing “sweep” accounts.

Easy Access to Your Money

With all of our checking accounts you get a free instant issue debit card you can take with you as soon as you open your account and you’ll have 24- hour access to your account with eBanking, telephone banking and mobile banking. You can check balances, make transfers, pay bills and manage your accounts anytime, at your convenience.

You’ll also receive 24-hour access to your accounts through our CO-OP ATM Network with over 30,000 free locations nationwide and more than 200 in West Michigan alone.

Stop by one of our offices today and open an account that’s right for you. Questions? Call 800-991-2221.

Federally Insured by NCUA

Online Banking: Add and Manage Bills Using Bill Pay

It’s easy to add and manage your bills. Download our guide to see how!

Online Banking: Enable Cookies and Javascript for Your Mobile Device

For Online Banking to function to its maximum potential, cookies and JavaScript will need to be enabled on your mobile devices. If you have a iPhone, download our easy to follow instructions here. If you have an Android Device, please follow your device-specific instructions on how to enable JavaScript and cookies.

Go | Live | Work | Apple Pay

Consumers Credit Union Launches Apple Pay

Consumers is thrilled to announce Apple Pay™ as one more easy, secure source of payment for Members.

Apple Pay is a convenient way to pay with your Consumers MasterCard™ debit or credit cards. No more searching for cards in your wallet or purse. Apple Pay makes shopping and paying for everyday items easy and secure. Simply add your Consumers MasterCard credit and debit cards to the Passbook app on your iPhone 6 and iPhone 6 Plus.

“Consumers is proud to be on the forefront of new technology that continues to increase peace of mind and ease for members.” said Kit Snyder, President, CEO, Consumers Credit Union. “We pride ourselves on helping people from all walks of life bank how they want, when they want. Apple Pay is one more tool to bring to our communities to enhance their banking experience.”

Apple Pay is a new technology. If you have any issues when uploading your Consumers debit or credit card, please don’t hesitate to call our Member Service Center 1-800-991-2221. Apple Pay is currently not available for business credit cards.

Apple Pay FAQ

Your New BFF for Holiday Shopping? Your Consumers Credit Union Instant Issue Debit Card

“I got a new debit card on the spot!” -Jeannine H., joined 1980

Whether you’re shopping online from the comfort of your home or braving the winter chill to hit the mall, your Consumers Credit Union instant issue debit card provides the convenience and security you need during the busy holiday season.

If you wear out your card on your shopping spree, just stop in at any of our fourteen convenient locations. We’ll make you a new one on the spot!

For added peace of mind when you shop online, our debit cards include MasterCard SecureCode to guard against unauthorized use of your card. When checking out with participating merchants, you’ll have added confidence knowing that MasterCard SecureCode performs an extra authentication step for your protection.

To enroll your debit card for MasterCard SecureCode, click here. On the next screen, click on the “Register Now!” button. You will be walked through the process of entering your card number and verifying your identity before creating your SecureCode. You’re all set!

Have questions about our debit cards or MasterCard SecureCode? Call us at 800.991.2221 or stop by. We’re here to help this holiday season and year round.