Free Checking Account

Our “Free Checking” account is free of monthly account fees; free of conditions; free of a minimum monthly balance, and free of transaction fees at 30,000 local and nationwide CO-OP ATMs (including over 2,100 in SoCal). Interest is earned on balances over $10,000.

How to Get Free

To open a Free Checking account, you must have already opened a LAFCU Share Savings account. A “ChexSystems” and hard-hit on your credit will be run.

Free to Do More

Having a Free Checking account lets you enjoy our free mobile app, mobile check deposit,* free online and mobile banking, free account alerts, free automatic transfer to pay loans, free debit card, and free mobile wallet apps to conduct contactless transactions safely.

Second Chances Granted

If you do not qualify for Free Checking and if a “ChexSystems” inquiry indicates all funds are paid, ask us about Second Chance Checking account. The account can be converted to Free Checking if kept in good standing for 12 months; a low monthly fee applies.


Our Free Debit Card:

LAFCU Debit Card



* To qualify for Mobile Check Deposit, you must have an online banking profile, and have either an Android-powered smartphone or iPhone and have installed the Mobile application. Your endorsement must include your signature and the words "For Mobile Deposit at LAFCU." If the back of the check is not properly endorsed, we reserve the right to reject the check for deposit. Our policy is to make funds from your check deposits available to you on the first (1st) business day after the day we receive your deposit. The total amount of deposits made (less any holds that apply according to our Funds Availability Policy, up to your available deposit limit), will be immediately credited to your account. In some cases, longer delays may apply and we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Mobile Deposits are subject to change and are limited based on your Relationship Rewards level at LAFCU.