Skip to main content

Checking Accounts

FREEdom Checking

  • Minimum of $1 to open
  • NO minimum balance requirement
  • NO monthly service charge
  • First VISA Debit Card FREE
  • First Order of Checks FREE

Prime Checking

  • Open to Ages 55+
  • NO monthly service charges when you have a monthly direct deposit or a daily average balance of $500
    (otherwise $5 per month)
  • Minimum Opening Deposit of $25
  • Minimum Balance to earn APY is $250
  • FREE Standard Checks and Unlimited Check Writing
  • FREE Standard Safety Deposit Box or $25 off all other box sizes
  • NO Outgoing Wire Fee
  • First VISA Debit Card FREE
  • Earns Competitive Dividends

Premier Checking

  • NO monthly service charges if you keep a daily average balance of $1,500 or an aggregate daily balance of at least $5,000 (otherwise it is $10 per month)
  • FREE Standard Checks and Unlimited Check Writing
  • First VISA Debit Card FREE
  • Earns Competitive dividends
  • Minimum Opening Deposit of $25
  • Minimum Balance to earn APY is $250

The following features apply to all checking accounts:

  • FREE Online and Mobile Banking (This includes e-statements)
  • FREE Mobile Check Deposit
  • FREE Account Protection Tools (Card Valet & Fraud Alerts via call or text)
  • FREE ATM services (Other financial institutions may charge terminal fees)
  • FREE Bill Pay
  • Direct Deposit
  • Overdraft protection can be linked to your savings or a pre-approved line of credit/courtesy pay

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. Please fill out, print and bring this form into LFCU, or scan completed forms to

Please contact us if you have any questions about direct deposit.