CloseEnuff™ Free Checking Account
Because we believe your money should be your money…
In a time when everybody else seems to want more of your money, we’re taking action to help Michiganders like you fight back by with CloseEnuff™ checking. A total package credit union free checking account featuring a ton of special services, like an overdraft protection buffer and more, designed to help you boost your cashflow, keep your money in your pocket, and achieve your impossible dreams. So you can finally live the kind of life you want AND deserve.
Because no matter where you are in life, at CFCU, You Are Enuff™.
CloseEnuff™ Free Checking Account Features
Earn a $450 Bonus!
For limited time, we’re boosting your bottom line even more! Here’s how:
1. OPEN Sign up for a new CloseEnuff™ checking account. (It only takes 5 minutes and $5 bucks!)
2. ACTIVATE Set up a new direct deposit and make 15 purchase transactions with your debit card in 90 days.
3. EARN Get that sweet, sweet $450—deposited right into your new account!
As a for-impact financial institution, we’re doing everything we can to help our members get ahead… including giving you a little head start. Promo ends June 30th. See FAQ below for details.
Get Started!Take back control of your finances with 6x the flexibility of a standard checking account.
Does your average checking account do all of this?
$50 Overdraft Protection
If you go over your account balance by up to $50 that’s CloseEnuff™! We won’t charge you.
It’s more than just automatic overdraft protection and coverage, it’s peace of mind. Because we’re one of the first in Michigan to totally eliminate the overdraft transfer fee. We also proactively reduced the non-sufficient funds fee (NSF) from $25 to the bare minimum of $9, which is all you’ll pay if you go beyond the $50 buffer. So wave buh-bye to watching your checking account on the daily… and hello to no longer worrying about annoying fees draining your cash. With every. Single. Purchase.
If you save $125 a month in overdraft fees with CloseEnuff™ checking...
That’s $1500 a year!
ENUFF for:
1X house payment!
2X car payments!
5X loads of groceries!
Buy Now. Pay Later!
Spread big purchases out over time. Even up to 60 days after the fact!
Flexibility at your fingertips: Turn your eligible CFCU debit card purchases, like new tires or a big grocery bill, into a monthly payment plan that fits your needs. Best of all, you have up to 60 days to flip it on right from the app. So you can easily switch to payments if unexpected bills pop up later. That easy, direct-connection control of your money is just one more benefit of having buy now pay later with a free checking account through Community Financial Credit Union.
Early Pay
TGIW: Get your paycheck up to two days earlier.
No more scrimping until payday. Get your paycheck cash up to two days faster with Early Pay and get paid early. Because you shouldn’t have to wait for your money to be your money, we’re turning “pending” to “available,” putting your cash in your pocket earlier. Absolutely no fee, just turn it on right from the app!
Direct Deposit
Fast & Easy. 3 minutes and no HR required.
It’s your paycheck. You should decide where it goes. Update, adjust, and switch your direct deposit easily right from our CFCU digital banking app and online banking site. It only takes 3 minutes to set up and as quickly as one payment cycle to see the funds shift to your new account! No need to bother with bosses or HR requests to send your paycheck where it belongs… in your control.
Debit cards that do good
Not only are we looking out for your cashflow, we’re also giving back to our local communities.
With every purchase made on your CloseEnuff™ CFCU free checking account debit card, Community Financial Credit Union will provide a one-cent donation to a local charity of your choice: the Art Foundation, the Ruth Ellis Center, or the Relentless Care Fund. Every single swipe helps to create stronger, more vibrant communities in Michigan!
Featuring your choice of art from Plymouth’s own Tony Roko and Nine Design’s Evan Thomas. Check it out >
Grow Your Change
Boost your savings with every buy, automatically!
Save automatically with everyday purchases on a Community Financial Debit Card. We’ll round up the amount of daily transactions to the nearest whole dollar and transfer that change from your CloseEnuff™ checking account to your chosen Grow Your Change savings account!
CloseEnuff™ Checking Account Summary
- Automatic CloseEnuff™ $50 Overdraft Protection Buffer
- No minimum balance checking requirements
- No direct deposit restrictions
- No debit card fees
- No ATM fee checking
- No monthly fee checking
- Only $5 to open
A Free Checking Account without Silly Fees
To help protect our members’ cashflow as much as we can, we’ve even completely eliminated the overdraft transfer fee. And reduced the non-sufficient funds fee (NSF) to the absolute minimum, from $25 to $9, which all you’ll pay if you go beyond the $50 safe zone. So you can keep your money where it belongs.
Since April 1, CloseEnuff™ saved Michigan families
$909,509
Don't let that gallon of milk cost you an extra $25 bucks.
5 minutes is all it takes to ditch the bank's overdraft fees and get CloseEnuff™ to your dreams.
You Are Enuff™.
Why did we create CloseEnuff™? Because we’re about you. Our members.
Unlike the big banks, we’re a not-for-profit community credit union dedicated to the success of our local communities and neighborhoods… not global balance sheets. That means that at Community Financial we do what’s right for those close to us, our fellow Michiganders, by creating Belonging Over Banking™ at every chance we get. So come as you are. Because You Are Enuff™.
Learn more about how we create belonging with the Relentless Care Foundation.
CloseEnuff™ Frequently Asked Questions
5 minutes is all it takes to open a new account.
Other ways to take back control of your cash!
Other CFCU Accounts & Services
10% APY High Yield Savings Account
Save up your money faster with a no-fee High Yield Savings account that earns 10.00% APY on balances up to $1,000.
High Yield Savings Account >
Skip-a-Pay
Need a break on your bills for a bit? If you’re an eligible member, we’ll enable you to skip up to two loan payments on qualifying Community Financial loans during one calendar year with Skip-A-Pay. Quickly freeing up cash right when you need it most. Why do we do that? Because it’s what any decent person would do.
Skip a Loan Payment >
Student Checking Account
Like CloseEnuff™ but designed to help younger, first-time financial whizzes grow both their money and their financial knowledge.
Student Checking Accounts >
Business Accounts
From Business Checking and Savings accounts to specialty services, like payroll and more, we’re here to help your business grow.
Business Accounts & Services >
* A Courtesy Pay Fee will not be charged if account is overdrawn up to $50. If an overdraft is paid by Community Financial Credit Union, a deposit must be made to bring the account back to a positive balance. Regular fees for overdrafts will otherwise apply. Overdraft transfer service links your checking account with your other accounts at Community Financial Credit Union. There is no fee for this service. For more details on transaction limits and terms and conditions of these products, please refer to the Account Fee Schedule.
*APY is Annual Percentage Yield (APY). Early withdrawal penalties and other fees may reduce earnings. Rates are subject to change at any time. Community Financial Credit Union membership is required. For more information see cfcu.org/disclosures.
To receive the $450 bonus, new and existing Community Financial Credit Union members must meet the following requirements. Open a new CloseEnuff Checking Account, set up and have at least one successful direct deposit into the account within 90 days of account opening, and make 15 purchase transactions within 90 days of account opening. No minimum amount required for direct deposit or purchase transactions. Qualifying member can not have had a CloseEnuff Checking Account within 6 months of opening to qualify as a new account. One $450 bonus per member. Bonus provided August 2025 if initial requirements are met. Membership eligibility required. Insured by the NCUA.
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