Welcome to Banking in the United States with CODE Credit Union
At CODE Credit Union, we’re here to support you. Your safety, your family, and your financial future matter to us. We know banking in a new country can feel intimidating, so we’ve created this guide to help you get started with confidence.
💬 Why open a checking account?
Banking with CODE is safe, fair, and designed to help you build a solid financial foundation:
• Keep your money safe – Your funds are protected by federal insurance (FDIC or NCUA).
• Build financial stability – Establish a credit history for future opportunities like buying a home or a car.
• Get paid easily – Set up direct deposit from your job.
• Send money safely – Secure, low-cost options for sending money person-to-person.
📋 What do you need to open an account?
• Photo ID – Passport, driver’s license (U.S. or foreign), or consular ID.
• U.S. address – Bring a utility bill, rental agreement, or other proof of where you live.
• ITIN or Social Security number – No Social Security number? No problem. An ITIN is enough.
• Small deposit – Just $5 to get started.
🧠 Smart tips for newcomers
• Start with a checking account for everyday use.
• Use a savings account to grow your money over time — even small, automatic savings add up.
• Keep track: bank statements can help with immigration paperwork and housing applications.
• No hidden fees – We’ll show you how to avoid overdraft charges and use your debit card safely.
💳 Understanding Your Debit Card
When you open a checking account at CODE, you’ll receive a debit card that lets you make purchases, withdraw cash from ATMs, and pay online directly from your account.
Learn more here: CODE Checking Accounts
💳 CODE Visa Credit Cards
CODE offers Visa credit cards to help you manage everyday purchases, build credit, and earn rewards. Responsible use can help you establish a strong U.S. credit history — important for future loans or renting a home.
Learn more and apply online: CODE Visa Credit Cards
📱 Manage Your Money Online
CODE offers online and mobile banking so you can check balances, transfer money, deposit checks, and pay bills anytime — with human help always available.
Explore digital services: CODE eServices
• Prefer in-person help? Our team will gladly assist you in person or with live translation tablets.
🏦 Why choose a credit union?
• Member-owned and community-focused.
• Lower fees and fair policies.
• Safe accounts and staff dedicated to helping you, not selling to you.
🏡 Planning for the Future
Your banking history opens doors to important life goals, like purchasing a vehicle or a home. CODE can guide you every step of the way:
• Home Loans
• Auto & RV Loans
Start building a secure future for you and your family today.
🌱 Promotions That Help You Save Automatically
• Round-Up Savings – Every purchase can round up to help you save automatically.
• Start With Just $5 – Open an account with only $5.
• Fee-Free & Overdraft Forgiveness – Small mistakes won’t cost you; we’re here to help.
• Family-Focused Savings – Build your future for you and your loved ones.
🌐 Help in your preferred language
🗣️ Live translation is available using our tablets. Press and hold to speak in your language and release to hear English. Quick, easy, and ideal for everyday conversations.
GET STARTED TODAY. CLICK HERE TO OPEN AN ACCOUNT!
- 355 W. Monument Ave. – Downtown Dayton
- 415 W. National Rd. – Englewood