Checking Accounts
With our checking accounts, LESS is MORE.
A lot of banks seem to have a fee for everything. Fortunately, we’re not a bank. We want to help you pay less, so we provide our members with a free debit/ATM card, free online banking and mobile banking †, direct deposit with free automatic transfers, and unlimited check writing. Less interest, less in fees — and a lot less hassle.
Not only do we want to help you pay less for checking services, we want to help you earn more. Which is why Money magazine called our 3% Max Checking account, “The Best Checking Account in America.” So whether you’re opening your first account to help make the most of your hard-earned dollars or looking for an account that grows with your investments, we have the perfect account for you.
Max Checking ›
- 3.00% APY on balances of up to $15,000
- No minimum balance required
- Totally free – no monthly fees
- And more benefits!
Free Checking ›
- Free debit card and free LMCU ATM use
- Free starter checks
- Free online banking †
- And more benefits!
Investor Checking ›
- Save more, earn more with tiered interest rates
- Interest computed daily, paid monthly
- Access to free online and mobile banking †
- And more benefits!
Advantage 50 Checking ›
- Specially designed for members 50 and older
- Free—No monthly maintenance or per check charges.
- No minimum balance required to open account or earn interest
- And more benefits!
Side-by-Side Comparison
| Account |
Earns
Interest |
Min. Daily
Balance |
Monthly Usage
Requirements |
Free Online &
Mobile Banking† |
|---|---|---|---|---|
| Max Checking › |  |
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| Free Checking › | |
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| Investor Checking › | |
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| Advantage 50 Checking › | |
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Fees may reduce earnings. Rates current as of 05/21/22 and are subject to change. †Third party internet/mobile/data fees may apply.