checking accounts
 
Las Colinas Federal Credit Union offers a variety of Checking Accounts designed to meet your financial needs. Choose the account that’s right for you and remember all LCFCU Checking Accounts offer the following extras:
 

Checking Options

 

Economy Checking
Galaxy Checking (ages 15-21)

E-Checking Regular Checking Senior Checking
Features and Sevices   FREE Online Bill Pay Earn dividends on average daily balances of $500 and more.

Earn dividends on average daily balances of $500 and more.

FREE Box of Checks.

FREE Traveler’s Checks and Money Orders.

Minimum to Open $25 $25 $100 N/A
Balance Required to Avoid Service Fee N/A $2,500 combined balance between savings, checking and share certificates and direct deposit. $500 checking balance or $500 combined balance between savings and share certificates. $500 checking balance or $500 combined balance between savings and share certificates.
Monthly Service Fee $0 Waived if balance requirements are met; otherwise $7.50. Waived if balance requirements are met; otherwise $5. Waived if balance requirements are met; otherwise $3.50.
         
 

Second Chance Checking

If you have mismanaged your checking account in recent years, you understand how hard it is to open a new one. Las Colinas FCU is giving you a second chance to get it right. Part of our Financial Rx program, second chance checking helps you get back on your feet again -- with a real checking account.

Special Features
  • Must be enrolled in Balance program
  • $10 monthly fee
  • Debit card is considered after three consecutive months of successful account management
  • Monthly fee will be waived after six consecutives months of successful account management
 

Deluxe Personal Check Reorder

Need to reorder checks or check on the status of your latest order? Click here or contact one of our Member Service Representatives.
 

Overdraft Services

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We have a few options to help cover your overdrafts:
  • Basic overdraft protection can be linked to your Las Colinas FCU savings account
  • It can also be tied to an Overdraft Protection Line of Credit Loan, if applicable.
  • We also offer Standard Courtesy Pay and Courtesy Pay Plus as an option

What is Courtesy Pay and how does it work?

This service allows us to pay an item presented for payment against your checking account, even if it causes the account to become overdrawn. While we do not encourage anyone to overdraw their account, it is an added layer of safety should you accidentally write checks for more than you have in your account, or an inadvertent error causes the account to become overdrawn.

We offer two distinct Courtesy Pay Plans: Standard Courtesy Pay and Courtesy Pay Plus.

With Standard Courtesy Pay we may authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • ACH Debits
  • Recurring debit card transactions

We do not authorize and pay overdrafts for ATM and everyday debit card transactions unless you agree to it.  With our Courtesy Pay Plus program, we may authorize and pay these items for you. In order to qualify for Courtesy Pay Plus you must first complete the Opt-In Form. 

For more information about Courtesy Pay, please contact one of our member service representatives.

*We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.  If we do not authorize and pay an overdraft, your transaction will either be declined or returned as insufficient funds.  This non-contractual courtesy of paying overdrafts requires no accountholder action for the Standard Courtesy Pay program. An Opt-In form must be completed for the Courtesy Pay Plus program.  This is not a loan. No additional agreements need to be signed, and it costs nothing unless the privilege is used. If you maintain the account in good standing, we may at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account a $30 Courtesy Pay fee for each item that overdraws the account. We will mail you a notice each time an overdraft occurs. You have the option of opting out of this program at any time. When you opt-out of the program, checks and other items covered under Courtesy Pay will not be paid when there are not sufficient funds in the account or overdraft protection is unavailable. To withdraw from either Courtesy Pay program, you must submit a written Opt-Out Notice to 555 Cimarron Trail, Irving, TX 75063.
 
Not only does Courtesy Pay help you avoid the embarrassment of having an item returned, but it also helps you avoid any additional fees the merchant may charge you. With Courtesy Pay you have additional overdraft protection at no cost, unless needed.
 
For more information about Courtesy Pay, please contact one of our member service representatives.
 
This non-contractual courtesy of paying overdrafts requires no accountholder action. It is not a loan. No additional agreements need to be signed, and it costs nothing unless the privilege is used. If you maintain the account in good standing, we may at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account a $30 Courtesy Pay fee for each item that overdraws the account. We will mail you a notice each time an overdraft occurs. You have the option of opting out of this program at any time. When you opt-out of the program, checks and other items covered under Courtesy Pay will not be paid when there are not sufficient funds in the account or overdraft protection is unavailable. To withdraw from Courtesy Pay, you must submit an Opt-Out Notice to 555 Cimarron Trail, Irving, TX 75063.