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Checking Account Options

  • Secure, Basic, and Skyward Checking Accounts

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    Secure Checking is loaded with valuable benefits and is designed to protect you and your family. Features and benefits include:
    • No Minimum Balance requirement.
    • Earns interest on balances over $2,500.
    • No monthly service fee when the account meets balance conditions.
    • Easy access through FLFCU Online and MyFLFCU Mobile Banking.
    • Unlimited bill pay.
    • Cell Phone replacement or repair up to $300.
    • Identity Theft Monitoring and expense reimbursement.
    • Free credit reports.
    • 90-Day purchase protection against accidental damage, fire, or theft.
    • Coupon codes, travel discounts, and more!
    • Click here to register for Secure Checking Benefits after you open a Secure Checking Account.

    Basic Checking is designed for everyday checking transactions and comes with all the checking account features you need! Features and benefits include:
    • No minimum balance requirement.
    • No monthly service fee when the account meets balance or direct deposit conditions.
    • Easy access through FLFCU Online and MyFLFCU Mobile Banking.

    Skyward Checking is similar to Basic Checking but has added features and benefits built for youths and those responsible for them. It is designed for those between 12 and 18 years of age and it gives parents/guardians the ability to monitor account activity. The teen will have their own debit card and access to their own online banking/mobile account. The parent/guardian can link the Skyward Checking account to their online banking and create notifications & alerts to stay informed. Do you want to learn more? Click here to read the FAQs.

    Help your 12 to 18 year old learn valuable money management skills by opening their own checking account!

    Features and Benefits include:
    • No monthly service fee and no minimum balance required
    • Earns interest on balances as low as $100 and up to $25,000
    • Visa Debit Card and Automated Fraud Alerts
    • Online and Mobile Banking access (can be linked to parent/guardian)
    • Remote Deposit
    • eStatements
    • Online transfers
    • Low balance, withdrawal, and deposit activity notifications for youth and parents/guardians

      • Disclosure – The Skyward Checking account must have a joint owner that is 18 years of age or older. Skyward Checking automatically upgrades to Secure Checking when primary account owner turns 18 years of age and the joint owner can elect to be removed from the account at that time.


  • Checking Account Comparison Chart

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    Whether you are looking for all available features, something a little more basic, or an account built for youth, we have the checking account for you! The comparison chart below provides more details:
    Account Feature1 Secure Checking Basic Checking Skyward Checking2
    Minimum Balance Not Required Not Required Not Required
    Monthly Service Fee $5.95
    (waived with minimum ADB of $10,000 or more)    		 $2.95
    (waived with minimum ADB of $200 OR recurring direct deposit)    		 None
    Earns Interest Balances of $2,500 or more N/A Balances between $100 and $25,000
    Visa Debit Card ✔ ✔ ✔
    Online & Mobile Banking ✔ ✔ ✔
    Remote Deposit Up to $10,000 Up to $10,000 Up to $300
    Bill Pay Unlimited 4 free, $0.50 each thereafter N/A
    Online Transfers from Other Financial Institutions No Charge No Charge No Charge
    Online Transfers to Other Financial Institutions Unlimited $4.00 Next Day; $2.00 for 3 day
    (per transfer)    		 $4.00 Next Day; $2.00 for 3 day
    (per transfer)
    Direct Deposit Not Required Required for monthly service fee waiver Not required
    eStatement or Paper Statement Your Choice (No charge) eStatement (No charge) or $2.00 Paper Statement Fee eStatement only (no charge)
    Check Writing Unlimited 4 Free, $0.10 Each Check Thereafter Not Available
    Foreign ATM Fees 4 free per month with ADB of $5,000; then $1.50 each $1.50 each 3 free per month; $1.50 each
    Cell Phone Protection3 ✔ N/A N/A
    IDProtect3 ✔ N/A N/A
    Credit File and Identity Monitoring3 ✔ N/A N/A
    Buyer Protection and Extended Warranty3 ✔ N/A N/A
    Health Discount Savings
    (This is NOT Insurance)    		 ✔ N/A N/A
    $hopping Rewards ✔ N/A N/A
    Travel and Leisure Discounts ✔ N/A N/A

    1The monthly service fee is waived with a minimum Average Daily Balance (ADB) of $10,000 or more for Secure Checking, and a minimum ADB of $200 or more AND recurring direct deposit for Basic Checking. Interest earned is based on the ADB. Fees for online transfers to other financial institutions are per transfer. Transactions at Foreign ATMs include inquiries and exclude charges imposed by the ATM owner. Additional qualifications and restrictions may apply to all account features.

    2Available for ages 12 to 18 years with an adult as joint owner. At age 18, account automatically converts to Secure Checking. Account can be converted to Basic Checking at age 18 or any time after conversion upon request.

    3Benefits are available to personal checking account owner(s), their joint account owners, and their eligible family members subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration, and/or activation. Go to www.myfortlibertyfcu.org/checking-accounts to register for Secure Checking Benefits. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts, organizations and/or churches and their members, or schools and their employees/students. Family includes spouse, persons qualifying as a domestic partner, children under 25 years of age, and parents of the account holder who are residents of the same household.

How to open a Secure, Basic, or Skyward Checking Account

  • Not Currently a Member?

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    Establish membership online.
    • You must establish a membership to open a checking account. To open a Basic or Secure Checking Account, click here to apply for membership, follow the prompts, and sign the application electronically. To open a Skyward Checking account click here, enter your information, and sign the application electronically.
    • Click here to register for Secure Checking Benefits after you open a Secure Checking Account.
    Monitor and manage your accounts with Online Banking or our mobile app "MyFLFCU."
    • Click here to register for Online Banking. You can also download and use our MyFLFCU mobile app by clicking here after registering for Online Banking.

  • Already a Member?

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    • Open a checking account or upgrade to Secure Checking by calling us at 1-866-793-5328, or by visiting one of our branches.
    • Click here to register for Secure Checking Benefits after you open a Secure Checking Account.

Register for Secure Checking

  • Why Register

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    After opening your Secure Checking account, you will need to register your account to activate account protections and benefits. Go to our registration and log in page by clicking here.

    Features and benefits include:

    • Cell Phone replacement or repair up to $300.
    • Identity Theft Monitoring and expense reimbursement.
    • Free credit reports.
    • 90-Day purchase protection against accidental damage, fire, or theft.
    • Coupon codes, travel discounts, and more!

  • How to Register

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    Registration is fast, simple, and provides immediate access to Secure Checking benefits! Click on the Secure Checking registration button below to begin. Use the access code included in our account materials and provide the requested information to activate your benefits. If you have misplaced our access code, please click on the "FL chat with me" button (on the lower right side of this webpage) and type "secure checking access code" in the message box. If you are already registered, click here to log in to Secure Checking.