In today’s fast-paced world, reliable checking services are more than just a fancy perk—they’re an essential part of your financial success. Crosspoint Federal Credit Union offers checking accounts with the convenience and security you need. Whether you’re starting out on your own, cruising into your golden years, or living life somewhere in between, we have a checking option designed just for you.

Crosspoint Perks

Regular Checking

One of our most popular accounts, a Regular Checking account provides convenient access to your money whenever you need it. As an additional benefit, this account features a Visa® Debit Card, which makes it easy to pay bills and make purchases wherever Visa® is accepted.

Account features include:

  • $20 initial deposit required to open the account
  • No minimum balance requirement after account opening
  • No direct deposit necessary
  • 8 FREE ATM transactions per month at CFCU, SUM, or Co-Op networks ATMs
  • FREE online banking
  • Visa® debit card available
  • First order of 50 checks FREE
  • Free bill payment services
    • Feature requires a minimum daily balance of $500 for the statement cycle

Student Checking

Your schedule is packed with work and classes. A long, complicated application process is the last thing you need. Crosspoint FCU offers two easy ways to open a Student Checking account:

  • Online — Click here to complete an online application. After you complete the online process, you will receive a confirmation email. Just click on the link in the email to verify your email address is valid. It’s as simple as that.
  • In person — All you have to do is visit your on-campus branch (or any of our branches) during regular business hours, provide two forms of identification, and make your initial opening deposit. That’s all there is to it.

You are encouraged to bring at least $55 when joining at a Crosspoint branch location—$5 to open a regular share account and $50 to open the student checking.

The two forms of identification should be your SCSU student identification along with your driver’s license, state identification, social security card, passport, or birth certificate.

Account features include:

  • $20 initial deposit required to open the account
  • No minimum balance requirement after account opening
  • No monthly fee
  • No direct deposit requirement
  • 15 free ATM transactions per month at CFCU, SUM, or Co-Op Network ATMs
  • Visa® Debit Card available
  • First order of 50 checks FREE

CrossPoint Plus Checking Account

Minimum balance requirements:

  • Minimum balance to open account $20.00
  • No minimum balance requirements apply to this account

Transaction limitations:

  • No transaction limitations apply to this account unless otherwise stated in the Common Features section.

Additional Features:

  • Free debit card with EMV chip
  • Surcharge-free ATM transactions at SUM and Coop Network
  • Free mobile banking and Remote Mobile Deposit
  • Free official Third-Party Check (one per month)
  • No monthly service fees
  • No Minimum Balance
  • 2% Cash Back on Point of Sale Debit (POS) transactions (up to $6.00 per month)
  • Overdraft Protection is available
  • .25% off Auto and Personal Loans with automatic payment from CrossPoint Checking account


  • A Minimum of 15 Point of Sale Debit (POS) transactions of $4.99 per month
  • A total monthly aggregate direct deposit of $500.00 or more
  • Monthly Statements are received by e-statements

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