800-207-2021 CU Routing #264278733

800-207-2021 CU Routing #264278733

Be Safer. Spend Smarter. It's Simple.

 Total Checking makes it simple to keep your finances safer and take advantage of smart discounts on financial services. Your checking account is about to work for you.

Earn Dividends

Online & Mobile Banking

Overdraft Protection

Digital Wallets


AD&D Insurance

Travel & Leisure Discounts

Health Discount Savings

Cell Phone Protection

Shopping Discounts

Total checking REWARDS

To take full advantage of all the Total Checking benefits, log on to register and request or activate benefits. Just a few quick clicks and you’re done! 

You will need your Access Code in order to register and activate benefits with Total Checking. Please contact us if you did not receive your access code.

Or, if you prefer, you can activate by phone by calling 1-866-210-0361.


A $6.00 monthly fee applies, but can be easily avoided or reduced by:

  • Performing 25 debit card swipes per month to reduce the fee by $4
  • Signing up for E-Statements to reduce fee by $1
  • Direct Depositing your payroll, retirement, or social security checks to reduce the fee by $1
  • Perform ALL the above to eliminate the $6.00 monthly fee completely!

Plus, those aged 55+ get one box of free checks per year!

Mobile Banking

24/7 account access through mobile banking app whenever and wherever you are.

Online Banking & Bill Pay

Online banking is a quick and efficient way to manage your finances securely. Plus, it’s free!

Overdraft privilege

Courtesy Pay permits you to overdraw your checking account up to $500 (including fees).


 When you open your account, we’ll also give you a free debit card. You can use this card just like a check anywhere Visa is accepted. Plus, you can also use it to get cash at thousands of ATMs worldwide through the Pulse network. For your convenience, local ATMs are located at the locations below: 
 Copperhill Branch
Blue Ridge Branch
Kickstart Convenience, Turtletown TN
IGA Hometown Foods, McCaysville GA

Scroll through options below…

The VISA Debit Card makes everyday purchasing quick and easy, because it works like a check, and it’s safer than carrying cash. Even better, there’s no need to show ID, or wait for approval—so you’re in and out of stores in no time. You can use the VISA Debit Card wherever VISA is accepted.

The VISA Debit Card also acts like an ATM Card. You can use it at 400,000 ATMs in the VISA/PLUS Global ATM Network. The VISA Debit Card is so easy to use, why carry anything else?

To qualify for a debit card, you must be 17 or older and have a checking account at CBFCU. All applications are subject to credit approval.


With CardValet®, you can:

  • Set parameters for when, where and how their debit card is used.
  • Turn ‘off’ your debit card from their smartphone, and then turn it back ‘on’ when you want to use it.
  • Restrict usage by merchant and spending limit.
  • Real time alerts create another layer of fraud protection with notice that a transaction was attempted, declined, or both.

CardValet puts the control of debit cards right into your hands. Link more than one account to keep track of all debit cards in one easy-to-use application.


Now you can pay with your CBFCU debit card using Apple Pay, Samsung Pay or Google Pay. Paying in eligible stores is as easy as holding your phone up to a contactless reader.

Easily add your card to your compatible smart phone device and forget fumbling through your wallet to find your card or entering a bunch of info when you’re ready to checkout!


Some possible reasons could be that you have insufficient funds, you have a loan payment that is past due, or you have exceeded your spending limit for the day. The most common reason is because the merchant is processing your card as a “credit” transaction. Our cards require a PIN and to be processed as “debit”.

Contact Member Services at 423.496.3812 or 706.632.4888 during business hours in order to raise you “not present” debit limit temporarily.

Those digits allow online access with your debit card as well as protection to prevent fraudulent use of your account.

No, a new card will be sent before the end of the expiration month, you will need to re-activate the card by calling the 1-800 number.

There is no monthly fee to have a debit card.

Yes, there is a $5 replacement fee.

Report the card lost/stolen first, then contact your local branch to discuss fraudulent activity and the actions that will be taken.

Call toll free 1-800-992-3808 and follow the prompts to reset your PIN.

Yes. Call 800-992-3808 and follow the prompts to change your PIN.

Registration and activation are easy! 

Go to copperbasinfcu.clubchecking.com or download the Club Checking mobile app. Using Access Code TN853943, simply follow the step-by-step instructions to register and activate benefits. 

Once you are registered, continue to access your benefits online at copperbasinfcu.clubchecking.com or with the Club Checking mobile app! 

Call 1-866-210-0361 for questions related to any of the benefits, or for assistance with registration and activation. 

The change to your account is effective May 1, 2022. Your Accidental Death & Dismemberment Insurance3, Cellular Telephone Protection3, Identity Theft Expense Reimbursement3 and Debit Advantage®3 are effective May 1, 2022. In a week or so you will receive another letter from us with more information on the new benefits mentioned in this letter, including details on how to access and activate all of the benefits provided with your new checking account, and we invite you to start using them right away!

No, your checking account number remains the same.

No, it is not necessary to make any changes since your checking account number will remain the same.

No, you will not be sent new checks or a new debit card since your checking account number will remain the same.

No, if you have previously set up your online banking or mobile banking, you will continue to access your checking account through cbfcreditunion.com or by using the Copper Basin Credit Union mobile app.