Checking

We never forget: it's your money.

Open an Account
Account Description Overdraft Monthly Fee
Simply Free Our basic account, with no interest yield and no benefits. Read more Yes No Apply
Member Protection A premium account offering ATM fee refunds, insurance coverage and ID theft restoration. Read more Yes $4.95 Apply
Member Rewards A premium account with a high-interest yield and ATM fee refunds. Read more No No Apply
Student eSpend Part of our Launchpad for students, a free account with online/mobile access and no checks. Read more No No Apply

Simply FREE Checking

Our Simply Free Checking account offers you:

Member Protection Checking

Our Member Protection Checking account offers you:

  • Identity Theft restoration through Identity Theft 911™
  • $10,000 additional Accidental Death and Dismemberment Insurance
  • Additional Pharmacy, Vision, and Travel Benefits
  • LifeSteps™ Online Living Will Software
  • 3 "Out of Network" (foreign) ATM use refunds upon request
  • Unlimited access to Leaders’-owned ATMS
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

Bundle your services and SAVE! Purchase separately, these benefits cost more than $20 per month. At $4.95 per month, you can protect what you value most.

Member Rewards Checking

With our Member Rewards Checking*, you earn dividends on your money while maintaining the flexibility of withdrawing it. This account:

  • Earns 2.02% APY* if you complete 15 debits per month using your debit MasterCard™, are enrolled in eStatements, and have at least one direct deposit per month.
  • Reimburses up to $15 per month in foreign ATM fees.
  • Unlimited deposits and withdrawals
  • No minimum to open account
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

*APY = Annual Percentage Yield. Not all applicants will qualify. Subject to membership in good standing and no inquiries from other financial institutions. If monthly requirements are not met, account earns 0.05% APY. Debits must post during calendar month to receive high interest yield. ATM fee refund cap of $15 per month. Deposits over $25,000 for qualified accounts will earn 0.20% APY. Please ask to see a Rate and Fee Disclosure for more details.

View Member Rewards checking Rates

Student Checking Accounts

  • For Members Ages 15-25*
  • No Monthly Fee and No Minimum Balance
  • Free MasterCard Debit Card
  • Free gift with account opening
  • $10.00 membership fee is waved
  • $25.00 deposit into savings is required to hold membership (refunded upon account closure)
  • We encourage the convenience of direct deposit. Download our simple Payroll Authorization form.

Get more information.

*Must be currently enrolled in an education program

NOTE: Any LCU member age 15 or over may open a checking account; Members under age 18 must have a parent or legal guardian as joint owner.

Direct Deposit

Put your paycheck on auto-pilot.

Direct deposit is one of the most convenient options that we offer to our members. If you want quick access to your paycheck or government support, but don't want the hassle of visiting a branch on your payday, direct deposit is a great fit. Simply provide your employer with our routing number and your account information, and we handle the rest! If you already have an account at Leaders, our routing number is 284383886.