Business Account

Tax-advantaged savings for education. Tax-free earnings and withdrawals for qualified educational expenses.

Coverdell ESA

For non-US citizen members and CFCU students

International Membership

Retirement account that enables you to delay paying taxes until the money is withdrawn.

Individual Retirement Account

Create a minor account with a joint owner.

Minor Account

Personal Membership

Securely hold and manage assets for designated beneficiaries.

Trust Account

CFCU Film Account

Select the length of your certificate from {min} to {max} months.

Choose Your Certificate Term

Lock in a competitive fixed yield for a set term with our Share Certificates.

After you submit your share certificate, you will need to fund your account by clicking "Make a deposit into your account".

You already have a pending request

You indicated you're a U.S. Person but previously selected you don't have an SSN. To meet U.S. regulatory requirements, please restart your application and include your SSN/ITIN.

SSN/ITIN Required for U.S. Persons

Please Select Your Citizenship Country

You have a few tasks left to complete your applications.

Additional Information Requests

Are you sure to cancel your automatic transfer?

Transfer Details

Set up one-time or automatic transfers between your CFCU accounts.

Choose Transfer Frequency

How Much Would You Like To Transfer?

You can access and edit your transfers within Online Banking.

Review Your Transfer

Enter the details below for your beneficiary

Tell us your Beneficiary's Address

A beneficiary inherits an account's assets in the event the account owner passes away.

Tell Us Your Home Address

Let's Learn More About You

Please enter date of birth below. SSN is optional for beneficiaries. SSN will be needed for payout.

And Lastly, Just a Few More Details

Your beneficiary will receive a link via email to enter their personal information.

Your beneficiary will receive an email link to enter their personal information. Please inform them that they should be expecting an email from us shortly.

Enter the Beneficiary's Email Address

Let's Learn More About Your Beneficiary!

You may add or update your beneficiary information at any time. If you'd like to designate an entity, multiple beneficiaries or need assistance, please 

Add a Beneficiary to Your HSA

Your beneficiary will receive an email link to provide their information.

A beneficiary inherits an account's assets in the event the account owner passes away. If you would like to add an entity as your beneficiary, please 

How Would You Like To Add A Beneficiary?

What Is Your Business's Mailing Address?

This must be a physical address where you conduct business and cannot be a PO box.

Where is Your Business Located?

Please select up to one control person.

Select Your Control Person

DBA Document

Please specify your DBA name and attach your DBA or any trade name documents.

DBA (Doing Business As) or an Official Name Change

Please upload documentation showing your EIN/TIN number issued by the IRS.

Next, We'll Need Your EIN Documents!

Next, We'll Need Your Formation Documents!

Select business eligibility type

Share More About Your Business

To add a new signer, upload documentation showing they're authorized on this account (e.g. a resolution or signed authorization letter).

Upload Proof of Authorization

They will receive an email link to enter their personal information.

Enter Additional Owner or Signer Details

A corporate resolution authorizing this signer removal.

Authorization for Deposits of Entity Items to Personal Account to Facilitate Business Needs

Edit Owner or Signer

Edit Owner or Signer Invite

Please upload documentation supporting this signer removal.

Upload Supporting Documentation

This signer will be removed from the application and will no longer be associated with this account.

Remove {name}?

The signer has been removed from your application.

Signer Removed

A resolution or letter signed by an existing owner authorizing this addition.

Manage the owners and authorized signers on your business membership.

Owners and Signers

Individuals with 25% stake in your company or more must be added. You may also add anyone who has control over your company’s finances (like a CFO).

{name} will receive an email link to enter their personal information. Please inform them that they should be expecting an email from us shortly.

You're All Set!

Would You Like to Add Another Owner or Signer?

A DBA or "Doing Business As" is the name a company uses instead of its official name. Also known as a Fictitious Name, it's how a business presents itself to the world.
A DBA is commonly used for sole proprietorships when the owner’s name is not used.

Information on DBA Names

Let's Learn About Your Business

Now, What Is the Best Number to Reach Your Business?

Now, Help Us Understand More About Your Monthly Transactions

Let’s Learn About Your Organization

Account Information

Company Documents

Business information

Job title

Name

Owner/Signer {count}

Please take a moment to confirm the information in your application. We want to make sure everything is accurate and complete!

You're Crossing the Finish Line!

An EIN, or Employer Identification Number, is a special 9-digit ID for U.S. businesses, given out by the IRS. 
You can receive an Employer Identification Number (EIN) <link>from the IRS</link> within minutes. Resume your application once you’re ready- we saved your progress!

Have questions about an EIN?

If you are a sole proprietor and do not have an EIN, you may enter your Social Security Number.

What Is Your Business Tax ID?

Provide the email address where you can be reached at work.

Now, Enter Your Business Email

If no ownership applies, please enter "0."

Tell Us About Your Current Role

Is Your Company Any of the Following?

You must be able to make key decisions for the business as an owner, officer, or other authorized individual. 

About You

Tell us what your business is all about.

Business

Invite signers and beneficial owners with at least 25% ownership.

Owners/Signers

Double-check your details and documents.

Review

We'll walk you through these steps to get your account up and running:

Your Application at a Glance

You’ve successfully submitted your owner/signer application.

Success

Earn up to $0.05 cash back on qualifying debit card purchases. See product page for reward requirements. $25 minimum to open.

PayMe Checking

Earn up to 4.00% APY on balances up to $30,000. See product page for reward requirements. $25 minimum to open.

Performance Checking

Take back control of your finances with the Connect Card from CFCU. $25 minimum to open.

Connect Card

A checking account designed for students. $25 minimum to open.

Student Checking

A free Primary Savings account is required for all members. You may select additional accounts below.

First, Select Your Account(s)

Select checking accounts based on your needs.

You're under 16, so a checking account has to be opened with a parent or joint owner. Choose {minorAccountName} to continue with checking, or skip checking to continue.

You're under 16, so a checking account has to be opened with a parent or joint owner. Choose {minorAccountName} to continue with checking.

A parent or joint owner is needed for checking

Your account is already set up with a debit card. If you're not seeing it, please contact support.

You already have a debit card

Only one debit card request is allowed at a time. Please return to request cards for additional checking accounts.

Your card should arrive in your mailbox within 7 to 10 business days.

Receive your card within 7-10 days by delivery.

We're sorry. We are unable to service you. If you believe you are receiving this message in error, please contact support.

Unfortunately, your application has been denied

We’ll need to confirm you are eligible for CFCU.

Please enter your employment information.

What is your current status of employment?

Upload or take a photo of your minor’s ID document. Eligible documents include: • Driver’s License or State ID • Passport • Passport Card • Birth Certificate • Social Security Card

And Lastly, Verify The Minor’s Identity

Now, let’s enter in the minor’s information below.

Please use the minor application type to complete your membership.

Minor Application is Required to Continue 

Please provide your information below.

Upload or take a photo of your ID document.

Verify Your Identity

Choose the account that will receive your new direct deposits.

Let's Get Started

What is the custodian's date of birth?

What is

date of birth?

What is minor's date of birth?

Date of Birth (MM/DD/YYYY)

PDF, JPG, or PNG. Max file size 10MB.

Please upload your document

Select a Qualifying Organization

To help you get started, please let us know how you're eligible to join.

What is your employment title?

Select Your Employer

Become a Member or Join a Foundation Below

Job Title

Let's Confirm the Joint Owner's Eligibility

Select Organization

Select Your School, College or University

We’ve emailed your sponsor member to provide their member number and confirm sponsorship of your application.

Please enter the name of your family member.

Enter Family Member Information

Current USC enrolled students

Let's Confirm Your Eligibility

Select Your School or Place of Graduation

Select Your Organization

Select joint owner's eligibility type

Select eligibility type

Now, Enter Your Email Address

What is the custodian's email?

Please use a different email address

This Email Is Linked To An Existing Application Or Membership

Please Log in to Add an Additional Account

What is the joint owner's email?

email?

What is the minor's email?

Check Your Email Address

Who is your employer?

Occupation

What is your employment info?

What is your job title?

Please enter your joint owner's employment information.

What is the joint owner's employment info?

What is your joint owner's current status of employment?

Select Your Joint Owner's Employment Status

Please enter your joint owner’s total income from other sources. If none, enter $0.

Please enter your joint owner’s employment information below.

Select joint owner's employment status

Please enter your joint owner’s total income from other sources, including parental support, if any. Exclude financial aid, scholarships, and grants. If none, enter $0.

Previous Occupation

What is your source of funds?

Select your Employment Status

Please ensure date is in the format MM DD YYYY. Additionally, minor account holders must be under 18 years old.

Please ensure date is in the format {format}.

Error

Demo Notice

Welcome to Communication Federal

We're excited to have you join more than 130,000 members who trust us with their financial journey.