Checking

Use your money when you need it. Prefer to write a traditional paper check? No problem. Rather use a debit card when you make your purchases or at an ATM? We’ve got you covered. Your money will grow with a competitive dividend rate in a Federated Employee's Credit Union checking account, too.

Features include:

  • VISA® debit card
  • Overdraft line of credit up to $1,000
  • No minimum balance requirement
  • No minimum to open
  • Unlimited check writing
  • First box of 50 duplicate checks free
  • Dividends that are compounded daily and paid monthly
  • E-statements (required with a checking account)
  • Free online banking
  • Free mobile banking with mobile deposit capture
  • Free bill pay
  • Free check copies in online banking for the previous 12 months

Free ATM transactions are available at Kwik Trips in Owatonna and Faribault, Minnesota, Hometown Federal Credit Union drive-thru ATMs, and all  CO-OP Financial Services Network and Allpoint Network ATMs nationwide.

NOTE: Please visit Fee Schedule for fee information and disclosures.

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Checking Account Rates

Checking Accounts Dividend Rate APY
Checking 0.05% 0.05%

Dividends are compounded and paid monthly. The Primary Share begins earning dividends once you reach a minimum balance of $25.

Checking Account Checklist

Forms

Account Form

Salary Deduction Form

Change of Address Form

Stop Payment Form

E-Statement Authorization Form

Automatic Payment Form

Relationship Pricing

Looking for a lower interest rate on your loan? You could qualify for a lower interest rate when financing with FECU. We offer members who use multiple products and services with FECU a discounted rate on eligible products.  Learn more about Relationship Pricing and if you qualify. Check out our current Rates .