Checking Account Comparison


Freedom-Plus Checking

Military Checking1


DBA (Doing Business As) Checking

Monthly Service Charge2

$7.00 / month with paper statements

$5.00 / month with e-statements

FREE with any one of these options:

  • $2000 average daily balance in Freedom-Plus Checking account
  • $300 monthly direct deposit to any share account within the membership
  • 10 debit card transactions on any share account within the membership


$5.00 / month

FREE with both $300 monthly direct deposit and monthly e-statements

$10.00 / month

Dividends Dividends paid for all accounts with average daily balance equal to or greater than $500
ATM Usage FREE at any CU Anytime or CO-OP Network ATM
Check Processing FREE FREE First 103 per calendar month FREE, $.50 per check afterwards FREE
Monthly Statements See Monthly Service Charge above FREE - paper or
E-statements required Paper or e-statements
Personal Checks First standard design check box FREE upon account opening Standard design checks FREE First 8 counter checks FREE upon account opening; $2 for each sheet of 4 checks thereafter Price varies by check design
Transfers to other financial institutions4
3-day transfer $2.00 / item $2.00 / item First five FREE per calendar month; $2.00 thereafter $2.00 / item
Next-day transfer $4.00 / item $4.00 / item $4.00 / item $4.00 / item
Person-to-person payments4
3-day transfer $2.00 / item $2.00 / item First five FREE per calendar month; $2.00 thereafter $2.00 / item
Next-day transfer $4.00 / item $4.00 / item $4.00 / item $4.00 / item

1 Available for all service branches, Active Duty, National Guard, or Reserve members and retirees from those groups, plus military ID card-carrying family members. Personal ID number from your military ID card required with issue and/or expiration date.

2 Members under the age of 22 are not charged a service fee on their checking account. Members have a 60-day grace period to build their balance in any new checking account before a service fee is charged.

3 Includes paper checks issued through KFCU Online Bill Pay.

4 Requires access to KFCU Online Banking and registration for services. All transfers are subject to daily and monthly transfer limits; more information about our transfer products can be found on our External Transfers/PopMoney page.

All of our checking accounts include these free options:

Additional information and ways to protect your account from overdrafts:

  • Open your new account with a $10 deposit - no minimum balance required.
  • Main Share (savings) account required for membership; $25 minimum balance required.
  • Overdraft Protection is available from any of your share accounts or personal lines of credit within your membership.
  • Courtesy Pay is available on personal accounts and is activated automatically upon meeting qualifications.

Funds Availability Disclosure

Online Banking

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