Spend

Let us reward you with benefits from your everyday purchases.

APY up to

1.00% HY WOW! Checking¹

APY up to

5.12% Prime Checking Bundle²

APY = Annual Percentage Yield

¹APY is subject to change and is effective as of 09/11/2025. In order to earn stated APY, the member must be enrolled in eStatements and have ten (10) POS transactions each month. No minimum opening balance. No daily balance requirements.

²All monthly requirements listed above must be met to earn the stated APY. APY is subject to change and is effective as of 09/11/2025. 5.00% APY earned on the portion of your daily balance that is less than or equal to $10,000 if monthly requirements for Bonus APY are met. 0.10% APY earned on the portion of your daily balance that is greater than $10,000. If monthly requirements are not met, you earn 0.10% APY on your average daily balance. A combined total of at least 20 debit card transactions or ACH transactions must be cleared as of one day before the last day of the month to earn the state APY. Rates may change after the account is opened. Fees could reduce the earnings on the account—one account per primary member.

Explore our Convenient Free Checking Account Options

HY WOW! Checking

Let your hard-earned money actively grow with our HY WOW! checking account. Get rewarded for banking with convenience.

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Prime Checking Bundle

Maximize your earnings with the freedom to use your funds whenever you need them.

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We Meet You Where You Are

The employees are very friendly. Whenever I had a question or a problem that I needed help with they always are very helpful. I never had to wait for a reply on anything...they're very quick and thorough with their replies. CACL has great hours compared to other banks. No matter what department I needed to get ahold of, even if other customers were ahead of me they responded almost immediately. I wouldn't go anywhere else and I highly recommend CACL.

Glenda

How do I open a checking account?

Join.

Call or visit one of our convenient locations. Not a Member? Join Today!
Open a Savings Account.

Deposit $5 into a member savings account. This account is required for all members of CACL Financial and gives you access to all of the benefits of CACL membership.
Connect with us!

Once you've opened your savings account, connect with a representative from our team to open your Checking Account.

Frequently Asked Questions

Can I open a Checking Account online?

You can start the membership application process online. Once you’re a member, you can officially open a Checking Account by connecting with a CACL Financial team member.

How does a HY WOW! Checking account work?

All members who are signed up for e-Statements and have at least 10 POS transactions a month are eligible to receive 1.0% APY* back into their HY WOW! Checking Account the following month.

Is there a limit to the number of Prime Checking Bundles I can open?

Yes, the Prime Checking Bundle is limited to one per primary member.

How old do I need to be to open a HY WOW Checking Account?

To open an individual checking account, you must be at least 18 years old. Joint checking accounts with an adult are available to those 14 years and older. Minors may receive a debit card once employment is verified.