Woman paying with a debit card at a restaurant
0.15% APY


compound daily and are paid monthly

No minimum balance

With no minimum balance and dividends that compound daily and are paid monthly, your LGFCU Checking Account works hard for you without draining your wallet.


With the LGFCU Mobile App and Member Connect online banking, you can view account information like balances and transaction details anytime, pay your bills with BillPay and much more. Plus, you can use the app to securely deposit checks anywhere. Its mobile check deposit feature lets you deposit checks into your LGFCU accounts using the camera on your mobile device. These deposits are not covered by the Credit Union's Funds Availability Policy, so they're not available for immediate withdrawal.


Sign up for Direct Deposit to have your income automatically deposited into your Checking Account each payday and ready for you to use right away. Your enrollment in Direct Deposit is based on your employer’s or fund administrator’s participation.

Your Checking Account comes with your choice of an LGFCU Visa® Debit Card or ATM/Member Access Card.

LGFCU members enjoy full service at SECU’s more than 250 branches and over 1,000 CashPoints® ATMs across the state. All transactions using LGFCU-issued cards at CashPoints® ATMs are complimentary. Other networks may charge a fee.


We keep costs low so you can keep more money for the things that matter to you. With a low monthly fee of only $1, you’ll earn dividends on the balance in your Checking Account when you keep a balance of more than $0.

The initial deposit into your Checking Account must cover the first monthly maintenance fee on the account and if applicable, the first box of checks ordered. After that, the Credit Union doesn’t require a minimum monthly balance.


Our Overdraft Transfer Service covers you if you accidentally overdraw your Checking Account, protecting you from overdraft fees, if you choose to opt in to this service.

Plus, feel secure knowing your funds are federally insured by the National Credit Union Administration (NCUA).

Dare to compare

We treat you fairly, rather than nickel and dime you with fees that can start adding up.

Checking Account Pays interest* Minimum balance and/or monthly fees   ATM Transactions
Terms accurate as of 11/2/22.
LGFCU Yes No minimum balance required; $1 monthly maintenance fee Surcharge-free CashPoints® for LGFCU issued cards
ATM transaction (over 1,000 in North Carolina); $0.75 for PLUS ATM authorized transaction
Largest bank in N.C. — One Checking® No $500 combined balance across accounts, or $500 in qualifying direct deposits per statement period. Otherwise, pay $12 monthly fee. $3 for out-of-network ATM withdrawal, balance inquiry or transfer
Second largest bank in N.C. — Everyday Checking Account No $500 minimum daily balance or qualifying direct deposits of $500. Otherwise, pay $10 monthly fee. $2.50 for out-of-network ATM withdrawal; $2 for inquiry or transfer

Third largest bank in N.C.— Select CheckingTM

No $1,500 average daily balance per statement period, or qualifying direct deposits of $250. Otherwise, pay $12 monthly fee. $2.50 fee for out-of-network ATM withdrawal, inquiry and transfer

Source: bankbranchlocator.com – Largest banks determined by number of branches in North Carolina.

* Banks call it "interest." Credit unions call it "dividends."


Next Steps

Choose a way to request your checking account.