Why This Checking Account Is A Total Game‑Changer

Keep More of Your Money

  • No monthly maintenance fees — no surprises, no penalties, no stress.
  • Open with just $10 — a tiny start for a big upgrade.
  • Earn dividends on balances of $1,000+ — your money works while you play.

All‑Star Convenience (Seriously, It’s Loaded)

Everything you need, right when you need it.

Additional Checking account benefits with your Thrive Checking + account. 

*SureLock™ Identity Protection

  • One-click TransUnion® Credit Lock
  • Guided Experian® and Equifax® credit locking
  • Dark Web Monitoring
  • Scam Detection
  • Concierge Identity Restoration
  • Identity Theft Insurance

 Additional Member Benefits

  • One free box of checks annually
  • 15% discount on loan documentation fees
  • Enhanced fraud protection tools

Enroll in online banking

  1. Log in to online banking
  2. Click Financial Wellness
  3. Click Thrive Checking +

Zelle®

Send money to friends faster than a breakaway dunk.

Early Pay

Get your paycheck up to 2 days early — more time, more freedom, more fun.

30,000+ Surcharge‑Free ATMs

Access the MoneyPass & Alliance One networks — perfect for road trips, concerts, games, and last‑minute cash moments.

MasterMoney Debit Card

Secure and powerful. Your go‑anywhere, pay‑anywhere card.

*Our SureLock® offering provides dark web monitoring; email and text scam detection; identity theft insurance; identity restoration assistance, and credit file security services ("collectively, "Services") to help protect individuals from falling victim to, and recovering from, malicious attacks on their personal information.Dark Web Monitoring: Monitors up to 20 different personal and financial data elements to detect if your identity is exposed or compromised.Scam Detection: Protects recipients by verifying the identity of sending party and by detecting suspicious content, images, and links within email and text messages.Identity Theft Insurance: Insurance coverage up to $5,000,000 to reimburse legal and documentation expenses associated with reestablishing an individual's identity after it has been compromised.Identity Restoration Assistance: Access to certified fraud restoration specialists to assist victims, close fraudulent accounts, and properly restore their identity.Credit File Protection: Easy to use tool to lock your credit files with each of the three main credit bureaus.Services are provided by TransUnion, LLC and Scamnetic, Inc. The Identity Fraud Expense Reimbursement benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Policyholder or its respective affiliates for the benefit of its Members. Please refer to your summary of benefits and/or insurance certificate (depending on state of residence) for more policy details. For the full policy, terms, conditions, and exclusions of coverage please reach out to the support team number below. Coverage may not be available in all jurisdictions. Review the Summary of Benefits. For the full policy, terms, conditions, and exclusions of coverage please reach out to the support team number after your coverage has begun. If you reside in New York or Texas, you will be provided an insurance certificate at the time of coverage. Insurance products are not a deposit; are not insured by any Federal banking agency and are not guaranteed by our institution. No single service can completely prevent fraudulent attacks or identity theft; or recoup all financial losses. Individuals should take proactive steps to protect their personal information and act promptly to address suspicious activity.TransUnion is a registered trademark of TransUnion, LLC. Experian and the Experian marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Equifax and the Equifax marks used herein are trademarks or registered trademarks of Equifax Inc. Scamnetic™; IDeveryone™; KnowScam™; and Scan&Score™ are trademarks of Scamnetic, Inc., USA. Any unauthorized use without the express permission of Scamnetic, Inc. is strictly prohibited. SureLock is a trademark of Kasasa, Ltd., registered in the U.S.A. Federally insured by NCUA.Copyright © Kasasa, Ltd. All rights reserved. Kasasa is a third-party service provider supporting community financial institutions. It is not a chartered bank, trust company or depository institution. It is not authorized to accept deposits or trust accounts. It is not involved in any credit decisions, loan funding or loan servicing activities. All promotions; credit decisions; underwriting, funding; sale and servicing activities associated with any loan may be performed by one or more participating community financial institutions or lending entities. Kasasa is not licensed or regulated by any state or federal banking authority.

Everything You Need, Right at Your Fingertips

Digital Tools

Digital Tools That Put You In Control

Your money, your rules — anytime, anywhere.

  • Free Online & Mobile Banking
  • Free Mobile Check Deposit
  • Free eStatements
  • Free Bill Pay
  • Real‑Time Payments (RTP): Receive funds instantly via Venmo or PayPal
  • Free Starter Checks to get rolling

Everything is fast. Everything is simple. Everything is built for your lifestyle.

Protection

Protection When The Game Gets Tough

Life happens — we help soften the blow.

  • Overdraft Line of Credit
  • Courtesy Pay
  • Tools to help manage and prevent overdrafts

Smart, flexible safety nets that keep you moving forward.

Perks

Exclusive Member Perks

Loan Discounts

Get a 0.25% rate discount on Personal Installment and Auto Loans when you use Auto Deduct from your Century Federal Checking.* More savings = more wins.

*.25% discount with automatic payments from your CFCU checking account, terms and eligibility apply.

Get Paid Early

Get Paid Early — Never Miss Tip‑Off Again

With Early Pay, your direct deposit can land up to 2 days early. No enrollment. No fees. Just an automatic perk for being part of the team.

How to set it up:

  1. Tell your employer you want direct deposit routed to Century Federal.
  2. Need help? Call us, visit a branch, or check out our online guide.

Transparent Rates. No Surprises.

Choose The Path That Fits Your Schedule