Page Banner image

Whether you’re picking up groceries or withdrawing cash from an ATM, your Member Checking account’s foundational to everyday financial transactions.

We’re proud to offer free ATM transactions, no per-check charges or monthly fees,1 and highly competitive dividends whenever your balance exceeds $500.Plus, you can replace your ATM card with a debit card at any time to enjoy free and unlimited point-of-sale (POS) transactions3 and the security of the latest chip technology.


How it works

Once you’ve initiated your Credit Union membership with a $25 deposit in your Primary Share Savings account, you can open a Member Checking account free of charge. There’s no minimum balance required to maintain your Member Checking account.

Member Checking accounts can be designated as: Individual, Joint, Uniform Transfer to Minors Act (UTMA), and Trust.

Checking account features

Convenient features help you manage your finances:

  • Automatic payroll deduction: automatically deducts a set amount of funds from your paycheck to make loan payments or deposits into your Member accounts
  • Direct deposit: automatically deposits your paycheck, less your usual deductions, into either your Member Checking or Members Savings account
  • eDeposit of paper checks: skip the trip, take a photo of your paper check, and deposit it electronically 
  • Electronic Fund Transfers: seamlessly transfer funds between your Member Checking and Savings account(s)
  • Wire transfers: send funds electronically to another individual or financial institution via wire transfer4
  • Free overdraft protection: avoid overdraft fees by enabling funds from your Member Savings account(s) to automatically transfer into your Member Checking account

To learn more about your ability to withdraw funds at Chevron Federal Credit Union and some of the parameters we put in place to protect you and your accounts, visit our Funds Availability Policy

Your ATM/debit card

An ATM/debit card gives you direct access to your funds. You automatically receive an ATM card when you activate your membership with a Primary Share Savings account, and you can replace your ATM card with a debit card once you open your Member Checking account.

Convenient features include:

  • ATM cash withdrawals up to $1,000/day3
  • Free and unlimited point-of-sale (POS) transactions with your debit card3
  • Additional security of the latest chip technology with your debit card
  • Unlimited surcharge-free transactions at Chevron Federal Credit Union-owned ATMs and up to eight surcharge-free transactions per month at 85,000+ network ATMs5

Learn more about debit card features and benefits.

New Solutions Checking account

With New Solutions come new beginnings. Chevron Federal Credit Union is committed to helping you rebuild financial health and better manage your money. Our New Solutions Checking account is designed to give you a second chance at managing a checking account, for just a $5 fee per month.

Best of all, after 12 months of maintaining a New Solutions Checking account in good standing, your account will automatically convert to a traditional Member Checking account.6

New Solutions Checking accounts can be designated as: Individual, Joint, or Uniform Transfer to Minors Act (UTMA).


  • No minimum balance required
  • Free ATM/debit card, Online Banking, Bill Payer, and eStatements
  • Unlimited check writing, a free box of checks, and free online check images
  • Account converts to a traditional Member Checking account after 12 months in good standing6
  • All this and much more with only a $5 fee that is deducted from your account each month

The more you know, the more you save

We’re committed to sharing the highest quality financial guidance and education with our members. When you belong with Chevron Federal Credit Union, you get access to a host of helpful educational material through BALANCE, our financial guidance partner. Learn best practices for managing your money, access workshops and webinars, explore debt management options, and more! 

1 Account must be in good standing; offer not valid for New Solutions Checking accounts.
2 Dividends compounded daily and credited monthly; offer not valid for New Solutions Checking account.
3 Subject to funds availability.
4 There is a $20 fee for domestic wires (U.S.) and a $30 fee for foreign wires (outside U.S.). We do not charge a fee for incoming wires.
5 After eight transactions per month per card, a $1.00 fee will be charged for each transaction at an ATM not owned by Chevron Federal Credit Union.
6 Other restrictions may apply. Speak with a Member Services Representative for further details.

From everyday finance to life’s big money moments, it’s better when you belong.