Checking Accounts

Switch your checking account to LLCU in minutes with ClickSWITCH®

• ClickSWITCH® is available for both new and existing LLCU Checking Accounts.
• Switch your checking account along with your direct deposits and automatic payments!
• Track switches and receive real-time notifications. 

An LLCU representative can enroll you in ClickSWITCH® and do the switching with you or you can do it on your own, once you have an activation code. 

How It Works

• Open NEW checking account at LLCU, then activate your ClickSWITCH dashboard with the code given by your LLCU Member Service Representative.

• Use your old account number to automatically find and move all direct deposits and automatic payments. You only need to know ONE account number!

• Get notifications as switches are processed. The dashboard does the work for you!

What Are You Waiting For?!

Call us at 1-844-222-7788 to get started or visit a branch near you today!

Already have an Activation Code from an LLCU Member Service Representative?...

Visit the ClickSWITCH® site now!

• No Minimum Balance Required. The member is not required to maintain a high balance in the account to avoid fees.
• Unlimited Check Writing Privileges. There is no charge for each check the member writes.
• No Monthly Service Charge. Many banks charge $5-$10 per month to maintain a checking account, we do not.
• Overdraft Protection (ODP)*. The member has the option to automatically transfer funds from his/her primary savings account to their checking account in the event of overdraft, to pay for certain transactions such as checks and electronic transfers (and similar transactions) with a nominal charge of $3 per item. This will occur only six (6) times in a month, after six (6) times, each item will be returned unpaid and the member will be charged an overdraft fee of $28. LLCU reserves the right to choose whether an overdraft item will be paid based on if the account is in good standing and has not experienced excessive overdrafts. The $5 (one share) in the savings account cannot be transferred to cover an overdraft. The overdraft fee of $28 is applied for each item paid using ODP after the first six occurrences within one month.
• Courtesy Pay. This is a service that is provided to the members of LLCU depending upon the Checking Account for which they qualify. If their credit score is 580 or better, they will qualify for the Regular Checking Account. They will have Courtesy Pay available in the amount of $700.00. If their credit score is 470-579, they will qualify for the Basic Checking Account. They will have Courtesy Pay available in the amount of $300.00. Fraudulent codes from ChexSystems will disqualify a member for a Checking Account.
• Over Draft Line of Credit. A revolving line of credit that will transfer overdraft amounts automatically to the checking account. There is no fee for each transaction, but interest will accrue. The member must complete an application and be approved for this loan.
• Direct Deposit. Many members have the capability of having their pay deposited to their account electronically by their employer. LLCU will accept direct deposits from any company that will send it to us directly.
• Monthly Statements. Members receive monthly statements that indicate deposits, withdrawals, ATM transactions, Lincoln Line transactions, cleared checks, fees, and any other transactions on the account. E-Statements are available to anyone enrolled in Home Banking by signing the disclosure form accepting E-Statements. If the member enrolls in E-Statements, they will no longer receive paper statements.
• Carbonless Copy Checks. A carbonless copy is made with every check the member writes – thus cancelled checks are not returned to the member each month. Only in rare cases is it necessary to request a copy of the actual check.
• ATM/Debit Cards. Available to each member pending individual approval.
• Online Banking and Electronic BillPay. These services are available to all our members.

• Interest Bearing Account. This account pays dividends monthly. Click here to view current APY*.
• Same Benefits & Services of the Free Checking Account.
• $500 Minimum Balance required. If balance falls below $500 any time during the month, a $5 service charge will be assessed and all interest will be forfeited. If the account balance remains at $500 or more for the entire month, interest is paid on the daily balance.

*APY = Annual Percentage Yield. Dividends calculated daily and credited monthly. Rate may change after account opening. Rates are subject to change.

Requirements for joining the Premier Advantage Club are as follows:

• Member must be either 50 years of age or retired.
• Member must have Direct Deposit of entire Social Security/Pension Check or Direct Deposit of net check into their Premier Advantage Checking.

Premier Advantage members receive the following benefits:

• Interest bearing account with a balance of $500 or more.
• Free Checks – Premier Advantage Style (one box per order).
• Free Copier Service (up to 10 copies per month).
• Free Check Imaging with e-Statements.
• Direct Deposit Convenience.
• Free Notary Service.
• Bonus Certificate Rate (Bonus 0.10% APR*).**
• Emergency No Penalty Withdrawals (for Medical, Educational or Purchase of Home).

*APR = Annual Percentage Rate. APR is accurate as of 02/01/24.

**Excludes Jumbo Certificates and special promotion Share Certificates.

Those that qualify include Law Enforcement Officers, 911 Dispatchers, Correctional Officers, Firefighters, EMTs/Paramedics, and Military Personnel. Here's what's included:

• Financial Counseling and Advice offered. Ongoing financial literacy is available and offered to Fresh Start members through the BALANCE™ Program.
• No check digit is distributed and no checks are ordered. However, members with a Fresh Start account will have a debit card for the account.
• Proper check cashing and handling policies will be strictly followed. This is due to the high risk assumed by the credit union on these types of accounts.
• Fresh Start is a stepping stone account. If the account is held in good standing and the member pays the balance owed to other financial institutions, they will qualify for a Basic or Regular Checking account, depending on their credit score.

Traditional Business Checking

• Traditional Business Checking Account. This account is ideal for smaller businesses with fewer monthly expenses.
• Nominal Monthly Fee. For the small fee, get up to 150 checks, withdrawals, debits, deposited items or other credits per month.
• Free Online BillPay. For up to 25 transactions per month.

Business Advantage Checking

• Business Advantage Checking. This account is ideal for businesses with larger balances and more payables each month.
• Interest Bearing Account. Earns interest on balances of $10,000.00 to $24,999.99 and even more on balances of $25,000.00 and above.
• Nominal Monthly Fee. Assesses a small fee and service change per check, withdrawal, debit, deposited item or other credits, per month.
• Free Online BillPay. For up to 25 transactions per month.