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Checking and Savings

LAPFCU Checking Accounts

Checking With Choices

For members who wish to truly make the most of their relationship with LAPFCU, we offer three checking account options that make it easy to avoid monthly service fees while simultaneously receiving ATM fee rebates.

Whichever LAPFCU checking account you choose, you’ll enjoy:

  • Nationwide access to over 30,000 surcharge-free CO-OP® ATMs;
  • Free access to our PATROL Online Banking and Mobile Banking systems;
  • Free online bill pay service;
  • The ability to make deposits online with a personal computer and scanner;
  • The capability to securely transfer funds or pay people online

Best of all, it’s easy to open your new account online in just minutes.


Performance Checking

Performance Checking lets you earn dividends on your checking account.1 Plus, make signature-based transactions with your Performance Checking QuickDrawPlus Debit Card and earn 1 LAPFCU Total Rewards point for every $3 you spend.2 Then redeem your points for brand name merchandise, travel rewards and even cash back!


Monthly Benefits
  • Dividend earned1
  • Up to $25 monthly ATM rebates
Monthly Requirements
  • 10 debit card transactions
  • Direct deposit or ACH debit (no minimum)
  • e-Statements and valid e-mail address
  • Log into PATROL Online Banking
Monthly fee if requirements not met



E-Benefit Checking

E-benefit checking lets you avoid service fees and earn ATM rebates simply for conducting your business online.


Monthly Benefits
  • Up to $12 in ATM rebates
Monthly Requirements
  • Direct deposit or ACH credit (no minimum)
  • e-Statements
  • Active bill pay
  • Log into PATROL Online Banking
Monthly fee if requirements not met



Free Checking with Direct Deposit

For those who like to keep it simple, we offer our hassle-free Free Checking with Direct Deposit.


Monthly Benefits
  • Up to $6 in ATM fee rebates
Monthly Requirement
  • Direct deposit(s) or ACH credit(s) ($250 minimum)
Monthly fee if requirements not met


Click here for a qualification cycles calendar. Also see our checking account Frequently Asked Questions for more information.


1LAPFCU may change the dividend rate at any time. Each cycle the minimum requirements are met, 1.00% Annual Percentage Yield (APY) will be paid on balances between one penny and $25,000, as well as 0.24% - 1.00% APY paid on all amounts above $25,000 respectively with a balance cap of $100,000. Rates as of September 1, 2012. No minimum balance required, however you must deposit a minimum of $25 to open the account. If you do not meet the requirements per qualification cycle, your account will not earn dividends nor will ATM fees be reimbursed and a monthly service charge will be deducted from your account. Qualification cycles will vary from your statement period. One Performance Checking Account per member. New accounts will automatically receive the 0.24% - 1.00% APY for the first statement period of the account. 2Cash rebates applied as a credit to share account balances.


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