Checking Made Simple
Our basic checking accounts are the perfect starting point when building your roadmap to financial success. No gimmicks, no frills, just an easy option for your everyday banking needs. With access to over 70,000 surcharge-free ATMs across the nation, easy to use online banking with bill pay, and much more.
We make it easy to access your account on the go.
- Free Online Bill Pay
- No Minimum Balance
- No Monthly Fees
- Free Mobile Banking
- Unlimited Visa® Debit Card / ATM Use
- FREE Online Banking
- Courtesy Pay Overdraft Protection
- CardValet® A Debit Card Monitoring Service
- 70,000 Surcharge-FREE ATMs
| Basic Checking | |
|---|---|
| Dividend | 0.05% APY* |
| Fee | $0 |
| Debit Card |  |
| ATM Network | |
| Bill Pay | |
| First 50 Checks Free | |
| CardValet | |
| Courtesy Pay | |
| Paper Statements | |
| Electronic Statements | |
| Credit Monitoring | |
| ID Theft Protection | |
| Credit Score | |
| Credit Simulator | |
| Roadside Assistance | |
| Cell Phone Protection | |
| Rewards/Discounts | |
| Health Savings Benefits | |
| Dark Web Monitoring | |
| Separate App/Website | |
| Minimum Opening Deposit | $5.00 |
| Minimum Balance to Earn Dividend | $500.00 |
*APY (Annual Percentage Yield) reflects the total amount of dividends paid on this account, based on the dividend rate and frequency of compounding, in a 365-day period. For dividend-bearing checking and savings accounts, KCU pays dividends monthly on the last day of each month. Withdrawal of dividends and fees may reduce earnings on this account.
Debit Cards
When you open a checking account you can request a Visa® Debit Card which gives you easy access to your funds.
Offering CardValet® gives our cardholders extra protection against fraud on their KCU cards.
- Setup Transaction Controls
- Turn Cards On and Off
- Customize Transaction Alerts
Visa® ATM cards are available on accounts with a share savings account only.
