Checking Accounts

FREEdom Checking

  • Minimum of $1 to open
  • No minimum deposit required
  • No monthly service charge
  • First Debit Card & order of checks is free
  • FREE ATM withdrawals (Charged by LFCU), mobile banking, home banking, bill pay and more

Premier Checking

  • Available for those age 55 or older
  • Unlimited check writing
  • No monthly service charge with a minimum balance of $5,000 or an aggregate balance of at least $20,000 (otherwise $10 per month)
  • FREE Standard Safe Deposit Box, Loan App, Money Orders, Bank Drafts, Money Wires
  • First Debit Card FREE
  • No ATM fees (Charged by LFCU)
  • FREE Standard & Duplicate check orders
  • FREE ATM withdrawals (Charged by LFCU), mobile banking, home banking, bill pay and more.
  • Earns dividends

Smart Student Checking

  • Available for those ages 16 & 17 (with parent consent) or 18-25
  • No minimum to open
  • No monthly service charge
  • First order of checks is free
  • FREE ATM withdrawals (Charged by LFCU), mobile banking, home banking, bill pay and more.
  • Dividends paid on every dollar

The following features apply to all checking accounts:

  • Free VISA Debit Card, Home Banking, Mobile Banking/Deposit & Bill Pay
  • Free ATM services via ACCEL®, VISA© and MASTERCARD© systems.(Banks may charge terminal fees)
  • Account access through Telemate, our 24-hour telephone response system
  • Pre-authorized automatic drafts (no charge)
  • Overdraft protection with savings or a pre-approved line of credit or Courtesy Pay Privileges
  • Consolidated monthly statements of all accounts and loans
  • Direct deposit
  • Stop payment
  • EASY & FREE Loan Payments from your account or another LFCU account.

Direct Deposit

You can arrange to have your payroll, Social Security, pension or any other recurring check deposited directly into your Lanier FCU 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.