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.
Sin saldo mínimo
Start with what you have. This Free Checking account has no minimum balance requirement — ever.
Sin cargos mensuales
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.
Preguntas frecuentes
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.
*Es posible que se apliquen cargos por sobregiros/ítem rechazados.
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.
¿Por qué LMCU?
Sometimes our members say it best.
Bundle LMCU products and maximize your financial wellness
Disclosures
Es posible que se apliquen cargos por sobregiros/ítem rechazados.
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 9/17/2026. Los cargos pueden reducir las ganancias. Sin requisito de saldo mínimo. To earn interest some requirements apply. Los requisitos mensuales deben cumplirse antes de las 8:00 p.m. ET del último día del mes. Las compras no incluyen transacciones en ATM Los requisitos de compra con tarjeta de crédito o débito se basan en la preferencia de compra. No se pagan intereses sobre saldos de más de $15,000. No se pagan intereses si no se cumplen los requisitos. Casi $600 se gana en 4.00% APY sobre saldos de $15,000.00.
All featured LMCU members were compensated for their time.
