Checking Accounts
Banking should fit comfortably into your daily routine. Our checking accounts make it easy to spend, save, and stay on top of your finances with secure debit card access and simple mobile banking tools.
Simple Tools for Everyday Money Management
Visa® Debit Card
Make everyday purchases with confidence using your Visa® Debit Card, complete with digital wallet compatibility and Visa’s Zero Liability Policy1.
Easy Access to Your Money
View your accounts anytime through digital banking, our mobile app, ATMs, local branches, and member support services.
Overdraft Protection Options
Add an extra layer of protection by enrolling in overdraft coverage for greater peace of mind.
1Eligible direct deposits are electronic ACH credits such as payroll, pension, or government benefits
2Eligible members may receive direct deposit funds up to one day early, depending on when the payment file is received from the payer. Early availability is not guaranteed and may vary by pay period Kohler Credit Union may make funds from a direct deposit into your consumer checking account up to one day before the scheduled payment date. Early availability is not guaranteed, depends on when the payment file is received, and may vary by pay period. This service is offered solely for personal accounts and is subject to the Membership and Account Agreement. Members are responsible for confirming that funds are available in their account before making transactions. Funds made available early are provisional and subject to final settlement. If a deposit is delayed, returned, or reversed by the payer, funds made available early may be removed from your account and you are responsible for any negative balance. For purposes of this service, direct deposits are electronic ACH credits such as payroll, pension, or government benefits. Kohler Credit Union reserves the right to discontinue this service at any time without advance notice. Transaction limits, account qualifications, and other restrictions may apply.
The Right Checking Starts Here
Basic Checking
A straightforward checking account with unlimited check writing and the account tools you need to confidently handle day-to-day spending.
Direct Connection Checking
Designed for members who use direct deposit, this account combines convenient digital tools, debit card access, and flexible account management.
Economy Checking
Designed for lighter account use, this option gives you convenient access to your money without worrying about minimum balances or annual fees.
Refer a Friend
Share Kohler Credit Union with the people you know and you could both earn $100. Members can earn up to $500 per year through our Refer a Friend program.
Inviting friends and family is easy and can be done directly through Digital Banking. When your friend opens a new Kohler Credit Union checking account and meets the qualifying requirements within 90 days, you’ll both receive a $100 reward.*
How It Works:
- Log in to Digital Banking
- Select Services from the menu
- Choose Refer Your Friends
- Add your contacts and send your referral
Your friend will receive a personalized referral link to open their account. Once they meet the qualifying requirements, you’ll both earn your reward.
Ready to get started?
Easy Digital Tools for Everyday Banking
eStatements
View your statements anytime through Digital Banking while keeping your financial information organized and secure.
Mobile Deposits
Deposit checks from your phone whenever it works for you, no trip to a branch needed.
Account Alerts
Stay informed with alerts for balances, transactions, and important account activity.
Bill Pay
Pay bills in one secure place and schedule payments with ease, no stamps required.
Card Controls
Use convenient card controls to manage spending, and stay informed about debit card activity.
Credit Monitoring
Monitor your credit score with Credit Insights and explore personalized insights that support your financial goals.
Become a Member Today
Getting started is easy. Just have the following ready:
- Photo ID
- Social Security Number
- $5 Deposit
Switching Banks Can Be Simple
Moving from another financial institution? Our Switch Kit includes simple forms, checklists, and step-by-step guidance to help you transfer direct deposits, automatic payments, and recurring transactions with confidence.
ATM Access Wherever You Go
Enjoy access to Kohler Credit Union ATMs plus a nationwide and global ATM network. Whether you’re close to home or traveling, convenient account access is always within reach.
Checking Accounts
Frequently Asked Questions
Need a hand? We're here.
What is a checking account?
A checking account is a financial account used for everyday money management, such as paying bills, making purchases, receiving deposits, and accessing cash. Kohler Credit Union checking accounts give members convenient access to their money through debit cards, digital banking, bill pay, and ATMs, making them useful for daily spending and routine transactions.
What can I use a checking account for?
You can use a checking account for daily transactions such as paying bills, making purchases, receiving direct deposits, transferring money, and accessing cash. Kohler Credit Union checking accounts also include convenient access through debit cards, digital banking, bill pay, and ATMs.
Do I get a debit card with my checking account?
Yes. Kohler Credit Union checking accounts include a free Visa® debit card that can be used for everyday purchases, ATM access, and convenient access to your checking account funds. Your debit card makes it easier to manage daily spending directly from your account.
Can I set up direct deposit with my checking account?
Yes. You can set up direct deposit with a Kohler Credit Union checking account so your paycheck or other income is automatically deposited into your account. To get started, provide your employer or payer with your checking account and routing number.
Do checking accounts have minimum balance requirements?
Minimum balance requirements depend on the checking account you choose. Basic Checking may require a minimum balance, while Economy Checking and Direct Connection Checking do not have minimum balance requirements, giving members options based on how they prefer to manage their money.
What is the difference between Basic, Economy, and Direct Connection checking?
Basic Checking is a simple checking account option with a minimum balance requirement, while Economy Checking is designed for lighter account use with no minimum balance. Direct Connection Checking is best for members who use direct deposit and want no monthly fee with unlimited transactions.
Which checking account is best for me?
The best Kohler Credit Union checking account depends on how you manage your money. Basic Checking is a simple option, Economy Checking is best for lighter account use, and Direct Connection Checking is best for members who use direct deposit and want no monthly fee.
What is the difference between a checking and savings account?
A checking account is used for everyday spending, such as purchases, bill payments, ATM withdrawals, and other frequent transactions. A savings account is designed to help you set money aside, build savings, and earn dividends over time for future needs or goals.
Can I access my checking account online?
Yes. Kohler Credit Union digital banking lets you access your checking account online to check balances, transfer funds, pay bills, deposit checks, and manage your money anytime. You can use online and mobile banking for convenient account access wherever you are.
How do I open a checking account?
You can open a Kohler Credit Union checking account online, by visiting a branch, or by scheduling an appointment. To get started, choose the checking account that fits your needs and have your personal information ready for the application.
Why choose a credit union for a checking account?
A credit union checking account can be a good choice if you want member-focused service, convenient everyday banking, and competitive account features. Kohler Credit Union checking accounts offer personalized support, digital banking access, and checking options designed to fit different money management needs.
What are the benefits of a Kohler Credit Union checking account?
Kohler Credit Union checking accounts offer convenient features for everyday money management, including digital banking, mobile deposit, free debit cards, account alerts, and low fees. These benefits make it easier to access your money, manage daily spending, and stay connected to your account.
1Overdraft protection available – Money, if available, will be transferred from your primary share account. To review the current fee schedule, go to the Truth in Savings policy on the Policies page.
2$5.00 fee if more than 10 drafts clear per statement cycle.
TERMS AND CONDITIONS OF REFERRAL PROGRAM
*Must be 18 years old to participate. To qualify for referral bonus the following requirements must be completed within 90 days of account opening: open a new Kohler Credit Union checking account and set up direct deposit (minimum of $3000 deposited over the first 90 days), enroll in eStatements, make a minimum of three debit card purchases over $20. The account must be opened using the specific link provided and remain open and in good standing for a minimum of 90 days. Upon meeting these requirements, the bonus will be issued as ‘Account Bonus’ and will be deposited into the referrer account and referee account within 10 days after the requirements for the program are fulfilled. Membership eligibility required.
If a current member of KCU refers an individual to KCU, and the referred individual subsequently opens an account, both the referring member and the referred individual hereby consent to the payment of a referral reward. Additionally, both parties agree and acknowledge that they consent to each other being aware of their respective membership status with KCU.
Kohler Credit Union reserves the right to disqualify any referrals in circumstances where Kohler Credit Union reasonably believes that referrals were not sent to Kohler Credit Union in good faith. Minors are not eligible to participate in this program. The value of the referral bonus will be reported to the IRS, state, or local tax authorities, if required by applicable law. The recipient is responsible for any federal, state, or local taxes on this bonus item. This offer cannot be combined with any other offer. Participation in the Refer a Friend program carries with it a certification from the referring member that the referring member personally knows the referee(s) and the referrer is not acting as an affiliate marketer for Kohler Credit Union. The referring member can earn up to $500 for referrals per calendar year . Only one (1) payment of $100 to referee is allowed regardless of the number of new checking accounts opened. If member is referred by more than one referring member, the first referrer would receive the incentive. Offer subject to change without notice.