Whether you want easy access to your money or are focused on achieving long-term goals, we have the right account for you. We offer three convenient checking account options:

  • E-Benefit Checking: For members who want the convenience of anywhere, anytime banking
  • Free Checking with Direct Deposit: An easy, no-frills account
  • Performance Checking: Checking that rewards you with dividends*
E-Benefit CheckingFree Checking with Direct DepositPerformance Checking
Benefit(s)Up to $12 monthly ATM rebatesUp to $6 monthly ATM rebates
  • Dividend Earned*
  • Up to $25 monthly ATM rebates
Direct Deposit or ACH RequiredMonthly (no minimum)Monthly ($250 minimum)Monthly (no minimum)
Online Banking RequiredYes; Log in monthlyNot requiredYes; Log in monthly
Active Bill PayRequiredNot requiredNot required
Debit Card TransactionsNot requiredNot required10 per qualification cycle
e-StatementsRequiredNot requiredRequired, with valid email
Fee If Qualifications Not Met$2.99/month$4.99/month$6.99/month

Whichever checking account you choose, you’ll also enjoy:

Maximize Your Checking Muscle with Member Benefits℠!
For any checking account, combine e-Statements with a minimum monthly direct deposit of $250 and conduct four remote electronic activities monthly, and you’ll qualify for our Member Benefits program. You’ll receive loan APR discounts, savings APY bonuses, service charge and fee waivers and valuable rebates.

Why Choose LAPFCU Checking?

With options such as direct deposit, automatic funds transfer, overdraft protection, account alerts and e-Statements, you can easily stay on top of your finances.

Anytime, Anywhere Access
Enjoy nationwide access to tens of thousands of surcharge-free CO-OP® ATMs and thousands of shared branches. You can also access your accounts from the web or your mobile device, wherever you may be, thanks to PATROL Online Banking, or LAPFCU’s Mobile App, available free in the App Store or on Google Play. You can even pay bills on-the-go or set up regular automatic bill payments. Mobile Check Deposits

LAPFCU’s Mobile App includes GO-Deposit, which lets you deposit checks, check account balances, pay bills to current payees and transfer funds – from the convenience of your smart phone or tablet.

We offer several choices to get rebates for fees incurred at other ATMs that aren’t in the CO-OP network. You can also choose overdraft protection to help prevent your account from becoming overdrawn.

Stability and Security
LAPFCU deposit accounts are federally insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the U.S. Government, and we provide excess deposit insurance up to an additional $250,000 per member, through American Share Insurance (ASI).

QuickDrawPlus MasterCard Debit Card
LAPFCU’s QuickDrawPlus MasterCard Debit Card lets you make retail purchases, access ATMs and even shop on the internet or over the phone. Your transactions are debited directly from your checking account AND you earn LAPFCU Purchase Rewards Points for every $3 you spend when you make signature-based transactions. You can redeem those points for brand-name merchandise, travel vouchers and cash back!

Performance Checking Qualification Cycle
To download the Performance Checking and Member Benefits Qualification Cycle 2016 calendar, click here.

Open an account and start enjoying the value and convenience of LAPFCU today!

*LAPFCU may change the dividend rate at any time. Each cycle the minimum requirements are met, 0.50% Annual Percentage Yield (APY) will be paid on balances between one penny and $25,000, as well as 0.05% APY paid on all amounts above $25,000 respectively with a balance cap of $100,000. Rates as of September 28, 2016. No minimum balance required, however you must deposit a minimum of $25 to open the account. If you do not meet the requirements per qualification cycle, your account will not earn dividends nor will ATM fees be reimbursed and a monthly service charge will be deducted from your account. Qualification cycles will vary from your statement period. One Performance Checking Account per member. New accounts will automatically receive the 0.24% – 1.00% APY for the first statement period of the account.Cash rebates applied as a credit to share account balances.