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Checking Accounts

FREEdom Checking

  • For ages 15 years and up (ages 15-17 require a Joint Owner on Account)
  • Minimum opening deposit of $1.00
  • MUST be enrolled in e-Statements
  • NO minimum balance requirement
  • NO monthly service charges
  • First VISA Debit Card FREE and first order of Standard Checks FREE

 

Genesis Checking 

  • For ages 15-23 years and up (ages 15-17 require a Joint Owner on Account)
  • Minimum opening deposit of $1.00
  • MUST be enrolled in e-Statements
  • NO monthly service charges
  • NO minimum balance requirement
  • Earns competitive dividends (compounded monthly) with a $100.00 minimum
  • First VISA Debit Card FREE and first order of Standard Checks FREE

 

Prime Checking

  • For ages 55 and up
  • Minimum Opening Deposit of $25.00
  • NO monthly service charges when you have a monthly direct deposit or a daily average balance of $500.00 (otherwise $5.00 per month)
  • FREE Standard Checks and Unlimited Check Writing  
  • FREE Standard (3x5) Safety Deposit Box or $25 off all other sizes
  • NO Outgoing Wire Fee
  • First VISA Debit Card FREE
  • Earns competitive dividends (compounded monthly) with a $500.00 minimum balance

 


Premier Checking

  • For ages 15 years and up (ages 15-17 require a Joint Owner on Account)
  • Minimum Opening Deposit of $25.00
  • NO monthly service charges if you keep a daily average balance of $1,500.00 or an aggregate daily balance of at least $5,000.00 (otherwise $10.00 per month)
  • FREE Standard Checks and Unlimited Check Writing
  • First VISA Debit Card FREE
  • Earns competitive dividends (compounded monthly) with a $1,500.00 minimum balance

 


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 Valet & Fraud Alerts via call or text) 
  • Overdraft protection linked with savings, a pre-approved 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. Please fill out, print and bring this form into LFCU, or scan completed forms to lfcu@lanierfcu.org

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