Essential Checking Account

A Basic Checking Account For Your Everyday Needs!

Keep it simple with our Essential Checking Account – An affordable way to Do More With Your Money! With just $1.00 to open, this basic account is designed to make life easier for our members. Enjoy the convenience of FREE Online Banking, FREE E-Statements, low fees and many more features when becoming a member and Essential Checking Account holder at Your NC Community Credit Union.

You’ll enjoy:

  • FREE E-Statements & Bill Pay
  • Member Rewards
  • FREE Visa® Debit Card
  • No monthly fee with any direct deposit
  • No minimum balance requirement
  • Overdraft Privilege available after 30 days

Membership Eligibility

You must live, work, worship or attend school in Wayne County, North Carolina to be eligible to join and open accounts with Your NC Community Credit Union.

You Can Get Started Online

Use the form below to fill out an online application for a checking account. A NCCFCU team member will call you within one business day to setup an appointment at our main branch to complete the process.

Location and Hours


When you come to complete your account opening, bring the following:

Valid Driver's License
If your driver's license DOES NOT list your current address, please bring a recent utility bill, cell phone bill, bank statement or lease agreement detailing your current address.
Social Security
Social Security card OR government issued document (tax return, w2, etc.) listing your FULL social security number

Essential Checking Account Application

Step 1 of 8 - Eligibility and Account Type

  • Membership Eligibility

    Indicate your eligibility for membership with our credit union.