Plenty of great features for, well, free.
No monthly fees.1 No minimum balance. No hassle. Just free checking, the way it should be.
This is what free checking looks like.
Most checking accounts nickel-and-dime you. This one doesn't.
No minimum balance
Start with what you have. This Free Checking account has no minimum balance requirement — ever.
No monthly fees
A hassle-free checking account means no monthly fees1. What you earn stays yours, plain and simple.
No missing out
Free Visa debit card, ATM access, online banking2, and starter checks. All included. Nothing extra.
Why Free Checking?
A free checking account with no monthly fee is smart when building healthy financial habits or simply wanting the perks of a trusted credit union without paying for the privilege. No muss. No fuss. No minimums. Just the good stuff.
FAQs
LMCU does and has for a long time. Our Free Checking account comes with no monthly fee, no minimum balance, and no transaction limits. Just straightforward checking from a credit union that's been putting members first since 1933.
A hassle-free checking account should do three things well: no monthly fees, no minimum balance requirement, and easy access to your money. LMCU’s Free Checking delivers all three — plus a free Visa debit card, free starter checks, free online banking, and free access to LMCU ATMs.
Free Checking has no account opening fee, no monthly maintenance fee, no per-check fee, no Visa debit card fee, and no minimum balance requirement. No monthly fee checking means what it says: No surprises.
*Overdraft/returned item fees may apply.
Yes. Free Checking has no minimum balance requirement — ever. Open your account with whatever you have and keep as little or as much as you'd like. There's no threshold to maintain and no penalty if your balance runs low.
Free Checking doesn't earn interest. If that's important to you, Max Checking earns 4.00% APY3 on balances up to $15,000 which works out to nearly $600 more per year.
You can visit a branch near you.
Why LMCU?
Sometimes our members say it best.
Bundle LMCU products and maximize your financial wellness
Disclosures
Overdraft/returned item fees may apply.
Free mobile banking. Your carrier's standard data and text message rates may apply.
Rates may change after account opening. This APY is accurate as of 9/10/2026. Fees may reduce earnings. No minimum balance required. To earn interest some requirements apply. Monthly requirements must occur by 8:00 p.m. ET on the last day of the month. Purchases do not include ATM transactions. Credit or Debit card purchase requirements are based on purchase preference. Interest not paid on balances over $15,000. Interest not paid if requirements are not met. Nearly $600 is earned at 4.00% APY on balances of $15,000.00.
All featured LMCU members were compensated for their time.
