Managing your money shouldn’t be complicated. A Basic Checking account from Cyprus Credit Union makes your banking seamless. Access robust money management tools and resources to keep track of your financial goals.
A Basic Checking account gives you everything you need to manage your finances. If you’ve just started building towards your financial future or know where you want to go next, a Basic Checking account gives you everything you need to manage your finances, including:
Customizable account dashboards so you can see your account activity at a glance
Budgeting tracking tools that let you see your spending habits and track your cash flow
Daily credit monitoring to see your score progress and access personalized credit-building offers
Bill Pay features to pay and track all your bills all in one place
And more!
Is Basic Checking right for you?
A Basic Checking account is a great fit for anyone that wants simple, stress-free access to daily banking tools and resources. Here’s why it can be a fit for you.
Best if you're on a strict budget
Get this account if you prefer to keep your daily finances simple and straightforward.
Best if you're new to finances
First-time banking users or students can benefit from a checking account with easy features.
Best if you're building healthy financial habits
Build a solid financial foundation and establish a banking history and smart money goals.
Your Daily Banking, with Some Extra Perks
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Stress-Free Banking
Keep your banking needs wherever you go with no minimum balance requirements or monthly maintenance fees.
Nationwide Use
Your account can access over 30,000 surcharge-free ATMs and thousands of Shared Branch locations. Learn more at Co-OpCreditUnions.org.
Card Controls
Easily manage your cards in Home Banking. Set up account alerts, transaction limits, travel alerts, new PIN numbers, and more!
Overdraft Protection
Your account is eligible for an overdraft line of credit to protect your account from bounced checks, declined transactions, or unexpected expenses.
Basic Checking Account Rates
Balance or Term
Dividend Rate
APY as high as
Min. Opening Balance
$0 to $49,999.99
0.05%
0.05%
$0
$50,000 and over
0.1%
0.1%
$0
Provide clear access to disclosures, fee schedule, rates, account terms:
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Dream Rewards Checking
Earn points from everyday spending to redeem rewards, and access account perks that offer big savings.
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Are there any requirements for opening an account?
To open an account, you must be 18+ and an existing Cyprus Credit Union member. For new members, you can apply for a membership and a Dream Rewards Checking account at the same time using our online application.
I have an ITIN, can I still get Basic Checking Account?
Yes! If you have an ITIN (Individual Taxpayer Identification Number), you can become a Cyprus member and sign up for a Basic Checking account to get awesome rewards!
Why should I get a checking account from a credit union?
Getting a checking account through a credit union means you’ll benefit from lower or no fees, higher dividend rates on deposit accounts, and much more. Also, as a member of Cyprus Credit Union, you get personalized service and access to tools and resources to help you achieve financial wellness.
How does overdraft protection work?
Overdraft protection is a line of credit you can borrow against to ensure purchases don’t decline or checks don’t bounce when using your Basic Checking account.
How do I activate my debit card?
You can activate your card in Home Banking under “Card Controls.” You can also call 1-833-455-2582 from your primary phone number 24/7.
Access Simple Daily Banking Today
Open a new Basic Checking account from Cyprus Credit Union and experience smooth, seamless banking with features to manage all your financial goals.
