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Checking Accounts

If only everything in life was this easy…

If only everything in life was this easy...

All of our checking accounts offer:

  • Free access to all electronic services (TellerPhone, HomeBanking, BillPay, E-Statements, & Mobile Banking)
  • Unlimited check writing
  • Access to over 71,000 ATMs and 6,700 Shared Branching locations worldwide
  • Overdraft Coverage Options


  Advantage Basic Checking Advantage Dividend Checking Graduate Checking
(For individuals age 16 to 21)
Golden Advantage Checking
(For individuals age 50 or better)
Minimum Balance to Open $25.00 $25.00 No minimum to open No minimum to open (Must maintain $1,000+ in any one account)
Eligible for Overdraft Protection Yes Yes Yes Yes
Eligible for Overdraft Privilege* Yes Yes No No
Requirement to Avoid Monthly Fee None $200.00 Minimum Balance None None
Dividend Earning No Yes No Yes
Special Features
  • No minimum balance to avoid a fee
  • Unlimited check writing
  • Unlimited check writing
  • Competitive dividend rate
  • Unlimited check writing
  • Free first box of checks
  • Eligible for periodic drawings through Youth Account program
  • Unlimited check writing
  • Two free boxes of checks per year
  • Free money orders and cashier checks
*Some accounts may not qualify for Overdraft Privilege, contact us at 608-313-8900 (1-800-828-5923) for more information.


How to Open Your Account

Opening an account is easy, just stop into any branch location with a current State-Issued Picture ID or Matricula Consular.  To qualify for membership you just have to live or work in Southern Wisconsin or Northern Illinois. Note that to become a member of the credit union you will need to open a $5.00 Primary Savings (share) account.

   Find your nearest branch location.  

Need to reorder checks?

If you've ordered with us before you can reorder online!  Note that each box comes with 150 checks and $13.50 will be debited from your checking account within 3 weeks of your order being placed. Your checks should arrive in the mail within 7 business days.

Golden Advantage Members: You can receive up to 2 free boxes of checks per year and a $5.00 discount for each box thereafter.

Credit Cards read more

Take advantage of our low introductory rate of 3.99% APR for 12 months plus no balance transfer fees!

Espanol? read more

FCCU permite posibles miembros usar Matricula Consular o numero de ITIN para abrir cuentas de ahorro y cheques

Mobile Banking read more

Check out how you can text, use your mobile browser or download our new TouchBanking app to keep track of your account!