Personal Checking

Totally free features make it more fun to manage your money.
  • Free Visa® Debit Card for instant purchasing power 
  • 24/7 account access with Online Banking and our Mobile App
  • All the features you're looking for without the hassle

It's the 21st century. We know what you expect from us.

You want access to services, tools, and technology that let you get at your money at a moment's notice and move it to where it needs to go in just a few minutes. And you want to do all this without getting nicked with annoying fees and surcharges. We're ready to meet your high expectations.

Free Checking

The everyday account that you need to manage your money

  • No monthly fees or minimum balance to worry about 
  • 24/7 account access via Online Banking and our Mobile App
  • Stay on top of your money with free electronic monthly statements
  • Early Pay Day feature gives you access to your money a day early, when you sign up for direct deposit

Advantage Checking

See how much you can earn for spending

  • Earn higher dividends on account balances over $1,500
  • 24/7 account access via Online Banking and our Mobile App
  • Stay on top of your money with free electronic monthly statements
  • $10 monthly fee applies if balance falls below $1,500

Visa® Debit Cards

The perfect card for all your purchases

  • Withdraw up to $500 from ATMs on any one day
  • Using the card with your PIN, you can make daily purchases up to $1,000
  • If you use your card like a credit card and sign for your purchases, the daily limit rises to $3,000


In Online Banking, click on the "Order Checks" tab, select your account from the dropdown and then submit.

Our routing number is 255074111.

You may visit any of our branch locations to change your pin number on the spot or you can call our Contact Center at 800-487-5500 and have one sent in the mail. This typically takes about 7-10 business days. Finally, members can self-select their debit PIN by calling 866-985-2273 and answering a series of authentication questions. 

Yes, Privilege Pay is our overdraft program that is offered at our discretion and allows you to withdraw more than your account balance for a short period of time in order to cover unexpected emergencies. In essence, we advance you the money you need to pay for the items by allowing your account balance to go temporarily negative.  We charge you a $32.00 fee for each item cleared in this manner, although there is a cap to how much your account will be charged in Privilege Pay fees ($224.00/day and $750/month). We also offer Overdraft Line of Credit, which is a loan product that is linked to your checking account and will automatically transfer available funds to cover any insufficient funds items that are presented for payment.  Each such transfer to your checking is an advance against your Line of Credit and increases your loan balance.  While there are no fees for the transfers themselves, you will pay interest on any outstanding Line of Credit balances.  If you pay off the Line of Credit balance on the same day that it is advanced, you will not be charged any interest.

You should call our Contact Center at 800-487-5500 or visit your local branch to place a stop payment on the series of checks. It is strongly advised that you work with a representative to close the account and open a new one. 

You can place a stop payment on a check in Online Banking by selecting the account the check was written on and then "Stop Payments". In the Mobile App select "Make a Stop Payment".  These options are free of charge. You may also contact us at 800.487.5500.  Please note that a $25 stop payment fee will be applied.  To stop a payment for an ACH, visit our "FORMS" section of this website and complete the ACH Stop Payment form.

Love My Credit Union® Rewards

Sharing the wealth with special rewards.

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