Regardless of what you are looking for in your checking account, we have options to fit your lifestyle. From no-frills accounts to accounts for our more experienced members, we have an option for you. Use the chart below to compare our accounts.

Compare Checking Accounts

Checking (Regular Checking)	Checking Plus (Interest Bearing)	Incentive Checking (Seniors Account) Age 55 or Older
No minimum balance	$500 minimum average daily balance to earn dividends	$1,000 minimum average daily balance to earn dividends
No monthly service charge	$5 monthly service charge if $500 minimum balance not maintained	$2 monthly service charge if $1,000 minimum balance not maintained
No dividends	Competitive dividend	Competitive dividend
ATM and Debit Cards Available	ATM and Debit Cards Available	ATM and Debit Cards Available
Manage Debit card remotely	Manage Debit card remotely	Manage Debit card remotely
No annual fee Visa	No annual fee Visa	No annual fee Visa
Overdraft protection	Overdraft protection	Overdraft protection
Purchase own checks	First order of checks free	Free checks
	Reduced consumer loan rates of .25% (except for during special promotions)	Reduced consumer loan rates of .25% (except for during special promotions)
	Free cashier’s checks	Free cashier’s checks
	Free wire transfers	Free wire transfers
	Free stop payments	Free stop payments
		.15% bonus on new/maturing CDs

Debit Cards

Debit cards look like a credit card but perform like a check. Purchases are deducted directly from your checking account, and your transactions are listed in your account history and on your monthly statements. These cards also perform double duty as your ATM card. Find a surcharge-free ATM nationwide!

Our debit cards earn REWARDS!
My Rewards Plus is a simple, easy-to-use program that earns points each time you use your KPCU Debit Rewards Card. Wherever you shop – and on everything you buy – you can earn points for money spent. The more you shop, the more you earn! Earn 1 point for every $3 you spend on credit transactions. (Members must use their debit card for signature-based transactions (not pin-based) to earn rewards.) Learn more here. 

Use your cards with your mobile wallet.
Mobile wallets securely store your payment information on your devices, like a smartphone or smartwatch. This allows you to pay via your device so you don’t need to carry your cards around. You enter and store your debit card, and you can use your mobile wallet to make contactless in-store purchases at check-out. These include Apple Pay, Samsung Pay, and Google Pay, depending on your mobile device.

Manage your cards.
These cards can also be managed with our debit card management system. This allows you to manage your cards remotely through Home Banking and our Mobile App. You can:

• Activate your cards
• Freeze or unfreeze your cards or transactions
• Report your cards lost or stolen
• Update spending limits
• Create or update spending alerts

Check Reordering Made Easy!