FREEdom Checking
- For ages 13 years and up (ages 13-17 require a Joint Owner on Account)
- Minimum opening deposit of $1.00
- NO minimum balance requirement
- NO monthly service charges
- First VISA Debit Card FREE and first order of Standard Checks FREE
- Age 55+ get
- Free Standard Check Orders
- Free 3x5 Safe Deposit Box or $35 off fee for larger boxes
- No Outgoing Wire Fee
- Earn Dividends* and ATM refunds** by meeting the following monthly requirements:
- MUST be enrolled in eStatements
- MUST have direct deposit of at least $500 in this account
- MUST complete at least 15 debit card transactions
* Dividends earned (Rate may vary) on balances up to maximum of $25,000 ** ATM charged fees up to $25.00
Genesis Checking
- For ages 13-23 years and up (ages 13-17 require a Joint Owner on Account)
- Minimum opening deposit of $1.00
- NO monthly service charges
- NO minimum balance requirement
- First VISA Debit Card FREE and first order of Standard Checks FREE
- Earn Dividends* and ATM refunds** by meeting the following monthly requirements:
- MUST be enrolled in eStatements
- MUST complete at least 7 debit card transactions
* Dividends earned (Rate may vary) on balances up to maximum of $10,000 ** ATM charged fees up to $10.00
- GENESIS CREDIT available!
- When approved, we place $1,000 into your savings account on hold for 12 months. You make payments towards the $1,000 each month, building your payment/credit history. At the end of the 12 months, the $1000 is yours!*
* Applicant must be atleast 18 years of age to apply. Must not have credit file or derogatory credit to be eligible for GENESIS CREDIT. Certain restrictions apply.
The following features apply to all checking accounts:
- FREE ATM services (Other financial institutions may charge terminal fees)
- FREE Mobile Check Deposit (*must be enrolled in e-statements)
- FREE Online and Mobile banking (including e-statements)
- FREE Account Protection Tools (Card Management & Fraud Alerts via call or text)
- Overdraft protection linked with savings or Courtesy Pay
- Primary account owner must be 18 for overdraft line of credit or courtesy pay
- Bill Pay
- Direct Deposit
- Stop Payment
Direct Deposit
You can arrange to have your payroll, Social Security, pension or any other recurring check deposited directly into your LanierFCU checking or savings account. By doing so, you can eliminate the possibility of losing your check, direct deposit funds usually arrive quicker into your account.
Contact your HR department, Pension Administrator, Social Security Administration or the company that will be depositing funds into your account to set up Direct Deposit. For some general information on Direct Deposit and what will be needed, click here.
Please contact us if you have any questions about direct deposit.