Click here for the Member Privilege Form to Opt-In for Additional Protection on your CPCU Checking Account
CPCU Checking - HELLO! IT'S FREE!
CPCU has the best Checking Account! Not only is it FREE, CPCU also pays you dividends on your balance AND offers cash-back rewards on your Visa Debit Card! Look what else we offer:
Attention USPS! Priority PayDay Checking - only at Carolina Postal Credit Union
How would you like payday to come early? If you are a United States Postal Service Employee and have your paycheck Direct Deposited to your CPCU checking account then you get paid BEFORE Postal Payday on Fridays! We know that Friday can be your busiest and most stressful day at the Postal Service and in order to assist our USPS members with handling their busy lives, CPCU now offers Priority Payday Checking!
Not yet a member? CLICK, COME BY, or CONTACT US to open your share account ($25.00) and then your Priority Payday Checking Account. You must be an USPS employee with Direct Deposit to receive this benefit. You may also go to our Online Forms & Applications page and choose to join online or through the USPS mail. Some restrictions may apply.
Priority Payday checking is only available to active USPS employees.
Member Privilege provides additional Checking Account Coverage and protects you from "bouncing" a check or your Debit Card purchase being declined.
Click here for the form to Opt In for Member Privilege - additional Checking Account protection.
What other options do I have?
Please contact us if you would like more information on additional choices you can make to protect your debit card purchases through your CPCU checking account.
How do I Opt-In?
Why Opt In and what is Member Privilege? Federal lawmakers created new rules for overdraft protection programs that went into effect July 1, 2010. As a result you must "opt in" or agree in writing to continue or start coverage through our overdraft protection program: Member Privilege.
Once you have signed & returned the form (opt in) CPCU's Member Privilege covers everyday debit card transactions and ATM withdrawals and fees are incurred with each overdraft. Please note that this federal regulation only applies to every-day debit card transactions and ATM withdrawals. The federal regulation for Opting In does NOT apply to Member Privilege coverage of written checks and recurring debit transactions such as health club memberships, utility bills, etc.
Need Check Copies? New Format as of 2/4/08:
If you need a copy of a check that cleared BEFORE February 4th, 2008, you will need to contact an Account Manager at 1.800.865.0445. Due to Check 21 Federal regulations, check copies will no longer be available online in a "gray-scale" but pure black & white copies. Due to the format changes for the new black & white copies, older versions of cleared checks will need to be ordered through us.
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