Checking Accounts

Cascade Community CU’s Pathfinder Checking gives you the freedom to choose how you want your checking account to work for you. Have peace of mind with no monthly service fees or minimum balance requirements!

Today's Rates

Manage Accounts

Check your balance, transfer funds, and more within Digital Banking.

View Statements

Check your monthly statements and have the freedom to download and print copies when needed.

Pay Bills

Have one less thing to worry about when you set up automatic Bill Pay through Digital Banking

Cascade Community Debit Card

Receive your CCCU debit card when you open your account! There are many benefits to using your CCCU debit card:

Automatically debits your checking account when you make purchases
Offers the ability to withdraw cash from ATMs, worldwide
Accepted everywhere Mastercard® is accepted
Lost card? No worries! Members can instantly receive a new card at any of our branches

You deserve a checking account that works hard for you!

Pathfinder Checking invests in you with a high Annual Percentage Yield (APY) on balances up to $1,000, and a competitive APY on the remainder of your daily balance.*

Pathfinder Checking

Pathfinder Checking offers you the chance to drive earning potential based on what you do, not what you have. Earn more by completing three simple monthly steps:

Active enrollment in eStatements.
Perform one direct or automatic deposit or payment.
Make 12 or more debit or credit card purchases.

Earn more with Pathfinder Checking while enjoying no monthly services fees and no minimum balance. It offers a host of free services including Digital Banking, Bill Pay, and access to CO-OP ATMs throughout the nation.*

How can you reach 12 transactions a month?

Swiping your card 12 times can happen more ways than you’d imagine:

Shopping online with your CCCU card.
Going to dinner with friends.
Stopping by Java Run on the way to work.
A visit to the grocery store.

Everyday transactions are all that it takes to help you access all the benefits of your Pathfinder Checking Account!

APPLY TO BECOME A MEMBER

View all rates and fees associated with checking accounts »

The dividend rate on Pathfinder Checking is subject to change at any time. Dividends will be credited on a monthly basis; ATM surcharge fees are refunded to your account on the last day of the month. The requirements must be met during your monthly statement cycle. You can review your monthly eStatement to verify that the requirements were met and the benefits were received. If your checking account was opened during the current month, the requirements will be waived for that month and the benefits will be received for the first month. See our Rate Sheet for a complete list of current dividend rates.

*These requirements must be met during each calendar month to earn the additional benefits for that month. If the requirements are not met, the additional account benefits won’t be received. Accounts do not earn dividends while maintaining a foreign address, or where the primary owner must file a W-8BEN, is not a ‘US Person,’ or lacks a valid US TIN. No monthly service fees on Pathfinder Checking accounts. Business Pathfinder Checking accounts may be subject to a transaction fee. For a complete list of fees on both personal and business accounts, see our Fee Schedule.

Availability of Funds Deposited

Funds we accept for deposit to your account are generally available on the same business day received – usually immediately if presented in person. We will usually tell you at the time if you present in person a check we must hold.
Conditions and exceptions are explained following. (Deposits must be in US Dollars; no foreign money.)
Ask us if you need to be sure about a particular deposit. (See our Funds Availability Policy Disclosure for full details.)

Cash accepted by our Teller	Immediately
Check accepted by our Teller	Immediately, usually, except when advised of hold
ATM
CO-OP™: Deposit detected as cash	Immediately, anytime
Any: First $225 per day deposited anywhere	Immediately, anytime
Any: Up to $1000/deposit, any business day	Next business day, usually by 9am, except for hold
Ours: Up to $1000+/deposit, any business day, before 3pm	Next business day, usually by 9am, except for hold
Ours: Up to $1000+/deposit, any business day, 3pm or after	Second business day, usually by 9am, except for hold
Other: $1000+/deposit, any business day	Fourth business day, usually by 9am, except for hold
Deposit by mail or our night deposit	Next business day after received; usually by Noon
Direct Deposit (‘ACH’)	Same business day as received; usually by 9am
Wire Transfer (received)	Usually same business day as received

Usually the first $225 is available immediately; any remainder by the second business day. Funds may not be available until the seventh business day when we hold (1) amounts $5525+, (2) for a new/inactive account, or (3) if we doubt the check(s) will clear. When accepted, we do not hold ‘On Us’ checks. With good cause and notice, we may hold an accepted check for longer. Foreign items credit when cleared. ‘Business days’: Mon. – Fri. except Federal holidays and the Friday after Thanksgiving.

Disputes

If you have a dispute regarding your account or our service, contact us at 541.672.9000 or 1.800.848.0618

Overdrafts and Overdraft Fees

An overdraft occurs when you do not have an available balance (‘not sufficient funds’ – NSF) in your account to cover a transaction, but we pay it anyway. We do not encourage you to overdraft, but if you do, we can cover your overdrafts in two different ways: (1) Standard overdraft practices that come with your account. (2) Low cost overdraft transfers which draw from your savings or your line-of-credit. Interested? Ask us about this. Following are our standard overdraft practices; then an opportunity to choose to ‘opt-in’ to debit card overdraft protection.

WHAT STANDARD OVERDRAFT PRACTICES COME WITH MY ACCOUNT?

At our sole discretion, we authorize and pay overdrafts for the following types of transactions: (1) Checks and other transactions on your checking account, (2) Automatic bill payments, and (3) ACH transactions. We do not guarantee we’ll always authorize and pay any transaction. If we pay your overdraft, you must promptly restore your account to a positive balance. Standard collection procedures will apply if account is not brought current within 15 days. Unless you ask us to, we do not authorize and pay overdrafts for one-time (non-recurring) debit card transactions (see below). (You may cause some debit card overdraft transactions that we cannot decline.) We don’t authorize ATM cash withdrawals that cause an overdraft.

WHAT FEES WILL I BE CHARGED IF I MAKE AN OVERDRAFT ON MY ACCOUNT?

You will be charged an NSF fee of $29 each time we choose to pay an overdraft of your account. Even if we do not authorize and/or pay your overdraft, you may still be charged a fee if you make an overdraft. We limit the number of overdraft charges accrued to five (5) per account during the course of one (1) business day. If more than five (5) occur within one (1) business day, the excess fees will be refunded by the following business day.

WHAT IF I WANT THE CREDIT UNION TO AUTHORIZE AND PAY OVERDRAFTS ON MY ONE TIME DEBIT CARD PURCHASES?

If you want us to authorize and pay overdrafts on one-time debit card purchase transactions, login to your account online, or click here for a form you can complete and mail to us to exercise that option.

Checking Accounts