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Checking Accounts

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
  • Several overdraft protection options including Overdraft Privilege* 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 checks with us before you can reorder online!  Each box costs $15.00 and will be debited from your checking account within 3 weeks of placing your order online. Your checks should arrive in the mail within 7 business days.

Members that have the Golden Advantage checking 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!