CloseEnuff™ Checking
Take back control of your cash in just 5 minutes!
Enuff is Enuff
Take back control of your cash
Key Features
$50 Overdraft Buffer
Protect your cash from the unexpected!
Buy now. Pay later
Turn on easy payments up to 60 days later!
Early Pay
Get paid up to two days early!
Extra Boosters
Easy Direct Deposit
3 minutes and no HR required!
Grow Your Change
Easy automatic savings with every buy!
Debit card rewards
Reward yourself and the community!
Get paid for getting paid
Earn up to $1,000 with CloseEnuff™ direct deposits!
How to earn:
- 1.Open a new CloseEnuff™ checking account by November 30, 2025 here
- 2.Set up direct deposits within 6 weeks of account opening
- 3.Maintain the direct deposit for 90 days from first direct deposit
What you’ll earn:
- $1,000 bonus = monthly direct deposit of $10,000 or more
- $500 bonus = monthly direct deposit of $5,000-$9,999.99
- $300 bonus = monthly direct deposit of $3,000-$4,999.99
- $150 bonus = monthly direct deposit is less than $3,000 + 15 CFCU debit card purchase transactions within 90 days
Accounts must be opened by November 30, 2025. Direct deposits must be active within 6 weeks of account opening. Direct deposit must continue for 90 days. Monthly direct deposit amounts must meet a tier’s minimum amount each month to qualify for the bonus. One bonus per member. Promotion based on SSN number. Members who also qualify for referral bonus will receive both promotional bonuses. An account is considered new if another was not opened within 6 months. Federally insured by NCUA. Member eligibility required. Payout will be mid-April 2026.
You Are Enuff™ and we aim to keep it that way
In a time when everybody else seems to want more of your money...
We’re moving fast and taking action to help Michiganders like you fight back with CloseEnuff™ checking. It’s a total-package, no-monthly-fee credit union checking account that eliminates silly balance transfer fees, gives you 6x the flexibility of a standard checking account, AND boosts your cashflow and spending power. All so you can keep your money in your pocket and live the kind of life you want and deserve.
CloseEnuff™ Checking Account Summary
The good stuff
- Automatic CloseEnuff™ $50 Overdraft Protection Buffer
- No minimum balance checking requirements
- No direct deposit restrictions
- No debit card fees (other than a card replacement at just $5!)
- No ATM fee checking
- No monthly fee checking
- No overdraft balance transfer fee checking (and minimized NSF fees!)
- Powerful digital banking tools
- Local charity donation with every debit card purchase
- Earn gift cards when you spend with Bennys Rewards
- Only $5 to open
$50 Overdraft Buffer
Overdraft by up to $50? CloseEnuff!
We won’t charge you! With no balance transfer fees, a $50 overdraft buffer, and NSF fees cut to the bare minimum, we’re one of the first in Michigan to cut the fees—so you can wave buh-bye to watching your account on the daily and keep more of your money where it belongs.
Buy Now. Pay Later!
Spread big purchases out over time
Flexibility at your fingertips: Turn eligible CFCU debit card purchases, like new tires or grocery bills, into monthly payments that fit 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 the unexpected pops up later.
Early Pay
Get your paycheck up to 2 days earlier
TGIW! No more scrimping until payday. Get your paycheck cash up to two days sooner with Early Pay. 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! It's automatic!
Fast & Easy Direct Deposit
Just 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. It only takes 3 minutes to set up and as little 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 hands.
Grow Your Change Round Up Savings
Boost your savings with every buy
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!
Debit Cards That Do Good
Reward yourself and the community
Every tap, swipe, and buy earns gift cards for you and a one-cent donation from us for a local charity. Pair that with six different card looks designed by Michigan artists and beauty is more than plastic deep!
Don't let that gallon of milk cost you an extra $25 bucks
5 minutes is all it takes to ditch the balance transfer fees and get CloseEnuff™ to your dreams.
Other Accounts & Services
Let’s boost that cashflow even more
10% APY High Yield Savings
Save your money faster with 10.00% APY** on your first $1,000! Pair it with your CloseEnuff™ Checking using Grow Your Change and make the most of your cashflow!
Debbie
Get paid for making good financial moves with our app partner, Debbie!
Money Market
Save like a CD, spend like checking! With higher returns and the ability to easily access your cash, our Money Markets give big savers like you the flexibility to reach your Impossible Dreams!
Business Accounts
From Business Checking and Savings accounts to specialty services, like payroll and more, we’re here to help your Michigan business grow.
You Are Enuff.
Why did we create CloseEnuff™?
Because we’re about you. Our members.
We’re a for-impact community credit union dedicated to the success of our local communities and neighborhoods… not global balance sheets. That means that at Community Financial we always do what’s right for those closest to us, our fellow Michiganders.
So come as you are. Because You Are Enuff™.
Frequently Asked Questions
CloseEnuff™ FAQ
We Create Belonging
You Are Enuff
No matter who you are, we’re here to help make your Impossible Dreams happen.
Thought Leadership
Making 2025 the year of the credit union
Discover how (and why) we're uniting the credit union movement to ignite real impact. For Michigan's future and beyond.
News
Back-to-Back Best-in-State? Yep. Thanks to you.
For the second year in a row, we’ve been named a Forbes Best-In-State Credit Union, powered by Statista!
Story
The 2nd Annual Pickleball for Good: Can You Beat $60K?
The biggest "dill" in pickleball charity events is back for the second year with all new challenges to keep the goodness going!
Fraud Alert & Prevention
Community Financial will never contact you asking for personal, account, or card information. Please do not give out sensitive information to anyone who contacts you.
We take the security of your account(s), information, and finances seriously. We will never call, text, or email you asking for personal or account information such as card number, PIN, security code, login information, etc.
If you believe that you’ve been contacted fraudulently or would like to confirm the legitimacy of any contact that you’ve received, please contact our Care Center at (877) 937-2328 or visit a branch.
* 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. Members enrolled in our Courtesy Pay program are still subject to balance transfer fees on overdraft transfers of $50 or more.
** 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.