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Checking Accounts

The interior of a bank branch with a large teller counter and green cabinets, staffed by a few people.

At LFCU, your checking stays local, creating impact right here in our community!

When you open a checking account with us, you’re choosing great rates, personal service, and a credit union built around people, not profits. And every dollar you trust us with goes right back into strengthening our community through local support, donations, and member-focused programs.

Stronger members. Stronger community. That’s our commitment. #LFCUCommunityStrong

Stop by a branch to open your account today!

Checking Account

General Checking Account

  • $0 Minimum Balance to open and maintain account
  • No per check fees
  • No monthly service fees
  • Overdraft Protection available
  • Free Online Bill Payer
  • 24 Hour access to your account with iTalk 717-272-4550
  • 24 Hour access to your account with Online and Mobile Banking
  • 1 – FREE order of checks at account opening
  • 1 – FREE instant issue debit card available at account opening
  • debit card features TAP functionality

Members may have a checking account at age 13 providing a parent or guardian is on the account as well. At age 18, members may have their own checking account.

Platinum Rewards Checking Account

Age 50+ Checking Account

  • $0 Minimum Balance to open and maintain account
  • No per check fees
  • No monthly service fees
  • Overdraft Protection available
  • Free Online Bill Payer
  • 24 Hour access to your account with iTalk 717-272-4550
  • 24 Hour access to your account with Online and Mobile Banking
  • 1 – FREE order of basic style checks every 12 months
  • 1 – FREE instant issue debit card available at account opening
  • debit card features TAP functionality
  • Interest Bearing Account – No Minimum to earn a dividend

BONUS: Earn an extra 0.15% (15 bps) above the posted Share Certificate rate—including Share Certificate Specials.

Share Certificate Specials

How do I sign-up for Online Bill Payer?

Members must first be utilizing Digital Banking and be signed up for Bill Pay through NetTeller.
Sign up for Bill Pay Service on Digital Banking

How do I order checks?

  • If it is your first order or checks, please call or stop by an office to place your order.
  • If your address is different then what is on your checks previously, you must call or stop by an office to place your order.
  • If this is your second order or more of checks and all of your information is up to date, you may order checks through Digital Banking > Order Checks Tab.

Debit Card FAQs

Do I get a debit card when I open my account?

Members will receive their first debit card on the spot-free upon opening their account.

What happens if I lose my debit card or it is stolen?

If members card is lost or stolen, they may get a new replacement card at any office. There is a $5 dollar fee for this replacement card at any office.

What happens if my card is damaged?

If members card is damaged, there is a $5 fee for this replacement card at any office.

Questions?

If you have any questions, please contact us during normal business hours.

Compare checking accounts

FeatureChecking AccountGeneral checkingPlatinum Rewards CheckingAge 50+
Minimum balance to open and maintain$0$0
Monthly service feesNoneNone
Per-check feesNoneNone
Earns dividendsNot includedYes, no minimum to earn a dividend
Free checks1 free order at account opening1 free order of basic style checks every 12 months
Instant-issue debit card with tapFree at account openingFree at account opening
Share Certificate bonusNot includedAn extra 0.15% above the posted Share Certificate rate, including Share Certificate Specials
Overdraft ProtectionYesYes
Free Online Bill PayerYesYes
24-hour iTalk, online and mobile bankingYesYes

Checking AccountGeneral checking

Minimum balance to open and maintain
$0
Monthly service fees
None
Per-check fees
None
Earns dividends
Not included
Free checks
1 free order at account opening
Instant-issue debit card with tap
Free at account opening
Share Certificate bonus
Not included
Overdraft Protection
Yes
Free Online Bill Payer
Yes
24-hour iTalk, online and mobile banking
Yes

Platinum Rewards CheckingAge 50+

Minimum balance to open and maintain
$0
Monthly service fees
None
Per-check fees
None
Earns dividends
Yes, no minimum to earn a dividend
Free checks
1 free order of basic style checks every 12 months
Instant-issue debit card with tap
Free at account opening
Share Certificate bonus
An extra 0.15% above the posted Share Certificate rate, including Share Certificate Specials
Overdraft Protection
Yes
Free Online Bill Payer
Yes
24-hour iTalk, online and mobile banking
Yes

Members may have a checking account at age 13 with a parent or guardian on the account; at 18, their own account.