Checking accounts that check all the boxes.
Everyone’s financial needs are different. Whether you are covering everyday expenses like rent or groceries, or starting to think about your financial future, our range of checking accounts is ready to meet your unique needs. With little to no fees and low minimum balances, we prioritize keeping money in your pocket because you deserve control over your finances.
Debit Card Controls
Easily manage your debit card activity—wherever you are, whenever you need.
Direct Connect
Access your cash easily at convenient locations throughout your community.
Alerts
Get notified by text when your balance drops below your threshold or when large transactions occur.
Credit Insights
Check your credit score for free and get personalized tips to help improve it.
Checking Account Options
| Basic | Direct Connection |
Economy | |
|---|---|---|---|
| Minimum Balance | $100 | $0 | $0 |
| Free Debit Card | ✓ | ✓ | ✓ |
| Free Digital Banking | ✓ | ✓ | ✓ |
| No Fee KCU ATM – Locate ATM | ✓ | ✓ | ✓ |
| Free Unlimited Check Writing | ✓ | ✓ | 2Max 10 |
| Overdraft Protection Available1 | ✓ | ✓ | ✓ |
| Free Mobile Deposit | ✓ | ✓ | ✓ |
| Free eStatements | ✓ | ✓ | ✓ |
| Free Bill Pay | ✓ | ✓ | ✓ |
| Free account alerts3 | ✓ | ✓ | ✓ |
| Free Credit Insights | ✓ | ✓ | ✓ |
| Free Card Controls | ✓ | ✓ | ✓ |
| Direct Deposit | Allowed | Required | Allowed |
| Open a Basic Checking |
Open a Direct Connection |
Open a Economy Checking |
1Overdraft protection available– Money, if available, will be transferred from your primary share account. Learn more about our complete debit card offerings. 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.
3Message and data rates may apply.
