checking

Interest Checking Account Benefits

    New - Set up free Debit Card ALERTS

  • fee-Free Checking. Monthly $5 service fee waived for members:
    • Age 24 or under, or Age 60 or older, or
    • With an average monthly checking account balance of at least $1,000, or
    • With an aggregate household checking, savings and loan balance of $5,000 or more, or
    • Who have monthly online statements for LAFCU Checking/Savings, and $25 direct deposit of any recurring monthly check
  • Free Access to ATMs owned by LAFCU
  • Access to 30,000 CO-OP ATMs, 5,500 ATMS at 7-Eleven Stores and 5,000 shared branches nationwide
  • Free online account access to online banking
  • Courtesy Pay to cover NSFs up to your approved limit, for a low fee
  • Overdraft Protection which transfers funds from Savings to Checking when funds are unavailable, for a low fee
  • Automatic Transfer to pay loans, Direct Deposit of recurring checks & Payroll Deduction to LAFCU accounts
  • Box of “standard” paper checks:
    • One free box at account opening
    • All “Premier” type accounts also get one free box per year, upon request
  • Prior to applying for a checking account you must already have opened a regular share savings account. You can apply for a checking account at any branch, or online by clicking "Open More Accounts" from the Open an Account page.

Second Chance Checking

  • For individuals who may not qualify for Regular Checking and only if a “ChexSystems” inquiry indicates all funds they owed are paid.
  • Can be converted to Regular Checking if kept in good standing for 12 months
  • Low monthly fee applies

1Loan rate discounts applies to vehicle, motorcycle, RV, boat, personal watercraft, personal computer, Personaline line of credit/overdraft protection, and signature loans.

2Premier-60 loan rate discount based on aggregate household balance of checking, savings and loan accounts.

Featured Rates
5/1 ARM MORTGAGE
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APY*
VEHICLES
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VISA® CREDIT CARD
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APR***
5 YR. SHARE CERT.
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