Community Powered logo.


With a Community Powered Checking account and direct deposit you could get your paycheck up to two days early*. As soon as we receive the electronic file from your employer, your paycheck will be posted to your account. It’s that simple. No cost. No catch.

Our Checking Accounts feature:

*At our discretion, we may make funds available for certain direct deposits (for example, most payroll payments) as soon as the payor notifies the credit union of the payment. This means we can make your money available to you up to 2 days before we receive the funds from the payor. This will be reflected on your account transaction history. If your direct deposits are already sent to your credit union checking account, you do not need to take any additional action. Earlier availability of direct deposits is dependent on the timing of your payor’s payment instructions, fraud prevention overlays, and other restrictions, such as limits on the amount and frequency of direct deposits to your account. These limits are designed to be flexible in order to protect the security and integrity of the service and accounts. These limitations may be based on confidential fraud and risk criteria that are essential to our management of risk and the protection of you and the integrity of the service and may be modified at our sole discretion without advance notice. The credit union does not guarantee early availability of any direct deposits, and eligibility of a direct deposit for early availability may change between pay periods. Any direct deposit that is not posted early will otherwise be made available according to our funds availability schedule. Even after we have made funds available to you and you have withdrawn the funds, you remain responsible if any deposit to your account is returned, rejected, or otherwise uncollected by the credit union. We reserve the right to conclude the early availability of direct deposit at our sole discretion and without any further notice to you. Account subject to approval.

Opportunity Checking

A Checking account designed with your needs in mind.

Because life doesn’t always go as planned. That’s we offer an alternative to a traditional checking account. Our Opportunity Checking account is the perfect solution to re-establishing a solid financial history‚ while providing an affordable solution to money orders and pre-paid cards.

The Opportunity Checking account provides the stepping stones to help reestablish a solid financial history. Whether you’re looking to establish credit or rebuild your credit history, Community Powered can help.

Opportunity Checking offers many great checking account features including:

Come into one of our offices and ask about it today!

Overdraft Protection

An overdraft occurs when you write a check for an amount greater than the amount in your account. Overdraft protection means we pay the transaction anyway. We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

We pay overdrafts at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined. You will be charged a fee* of $25 each time you overdraw your account. You will have thirty (30) calendar days to reimburse us for paid checks, EFTs, and service charges.
*All fees are subject to change without prior notice.

Click here to learn What You Need to Know About Overdrafts and Overdraft Fees.

Learn more about our Overdraft Coverage Options here.

Visa Debit Card

When you open a Community Powered checking account, you receive a Community Powered Visa Debit Card, which is accepted anywhere you see the Visa logo. Use the card in place of a check for fast, convenient transactions. The cost of your purchase is automatically deducted from your Share Draft/Checking Account. You can withdraw cash, verify account balances, and transfer funds at thousands of ATMs worldwide.

You can use Apple Pay and Google Pay to connect your Community Powered Visa Debit Card to your mobile device.

Direct Deposit
When you choose Direct Deposit, your paycheck, benefits check, social security check, or retirement fund allocation is automatically deposited into your Community Powered Savings or Checking Account.
Payroll Deduction

Payroll Deduction lets you easily set aside a certain dollar amount each pay period to be deposited to the Community Powered account(s) of your choice.

Community Powered logo


By accessing this link you will be leaving Community Powered’s website and entering a third-party site. Community Powered is not responsible for or guarantees the content on that site. Privacy and security policies of the site may differ from Community Powered Federal Credit Union. Please review their privacy policy for terms and conditions.