800-207-2021 CU Routing #264278733

800-207-2021 CU Routing #264278733


Open a Personal Checking Account Today

If you’re looking for a checking account, we have just what you need. With a minimum of $100 opening deposit, you can get all the convenience that a checking account offers. You only have to meet 2 of the 4 requirements to avoid a $5 monthly fee. And with our account, you don’t have to keep a minimum balance. How many banks give you that?


  • Have a Debit Card
  • Sign up for E-statements
  • Have an Automatic draft from your account
  • Have a loan balance of $1000 or more

Simply meet two of the four requirements above to avoid a monthly fee. Plus if you are over 50 years of age, you get up to 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.


CBFCU announces it is offering CardValet®, a new card management and fraud mitigation tool for debit cardholders. With this new and powerful debit card management tool, our cardholders 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 the cardholders’ hands. Link more than one account to keep track of all debit cards in one easy-to-use application.


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.