Checking Accounts

Kirtland FCU has four checking accounts available to suit your needs - all of which offer 24/7 ATM access across the CU Anytime® and CO-OP Network systems and free access to KFCU Online Banking with its free products and services: Bill Pay, Mobile Banking, Mobile Deposit, FinanceWorks (a budgeting tool), Purchase Rewards, and more! You can compare our checking products with this quick comparison chart. If you have questions, contact us and we'll help you find the account that's right for you!

Freedom-Plus Checking

This standard checking account is for members who prefer to write checks and offers three ways to qualify for no monthly service fees:

  • Monthly direct deposits of at least $300
  • Use your debit card at least 10 times per calendar month
  • Maintain an average daily balance of at least $2,000 in your checking account (members have 60 days to build a balance before incurring a monthly service fee)

Members under the age of 22 will not incur a monthly service fee.


KFCU's totally electronic checking account, with no monthly service fee if you have monthly direct deposits of at least $300 and opt in to receive e-statements. With this checking account, you can enjoy up to five (5) free 3-day electronic funds transfers to another financial institution and five (5) free 3-day Person-to-Person funds transfers per calendar month!

Military Checking

This is FREE checking with direct deposit, and you can write checks, receive either paper or e-statements and still enjoy the benefits of all the products and services provided with KFCU Online Banking. You're eligible for this checking account if you are a military ID card-carrying member: Active Duty, Guard, Reserve or Retiree and family members, too. Your personal ID number and issue and/or expiration date from your military ID is required for access to this checking account.

Doing Business As (DBA) Checking

Checking services for small businesses.

Online Banking

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