Lafayette Checking
No gimmicks. No fees. Get paid up to 2 days early.
Get More From Your Credit Union
Convenient products and services at the touch of your fingertips, and get even more support at our branch locations or by calling our contact center.
Enroll in Direct Deposit
Get paid up to two days early with direct deposit. Whether it’s your paycheck, tax refund, or government benefits, your money is available sooner at Lafayette Federal. Quickly enroll today directly in online banking or from our mobile app.
Manage Your Cards Securely
Protecting your card should be simple. That’s why we give our members the tools to add transaction alerts, block your card if you see suspicious activity and more.
Move Your Money Quickly
You can move your funds between your Lafayette accounts, send money to family or friends by syncing your phone contacts, send money to yourself at another financial institution securely, withdraw money from another financial institution, transfer funds via wire (fees apply), and more.
Check Your Credit Score
Regular updates on your credit score help you stay informed about your financial health. If there is any unusual activity you are more likely to respond in a timely manner or place a freeze on your credit to mitigate risk.
Open Your Account
Open your account in a few clicks with our easy online application.
It Pays to Bank With Lafayette Federal
Get Paid 2 Days Early3 and feel more in control when you open a new checking account and enroll in direct deposit. Plus, earn a $150 checking account bonus4.
Enroll in Direct Deposit
Get instant access to your funds early and enroll in direct deposit directly from online banking. Switch to Lafayette Federal for early direct deposit and get paid.
Tap to Pay Cards
Make fast, secure purchases with a simple tap. All of our debit and credit cards come equipped with contactless technology — so you can check out with confidence and convenience.
Access Over 30,000 Surcharge-Free ATMs
With the CO-OP network, you have access to an extensive network of over 30,000 surcharge-free ATMs worldwide including locations at popular retailers such as 7-Eleven, Royal Farms, Wawa, Costco, Dunkin Donuts and Rite-Aid.
Deposit Checks Remotely
Our upgraded Online Banking & Mobile App lets you handle your finances conveniently. Deposit checks remotely and manage your account online with ease. Learn more.Â
Check Your Credit Score
Utilize our credit score feature for free with regular updates on your credit, set up alerts, and set goals to help you stay informed about your financial health.
Fee-Free Checking
Say goodbye to surprise fees and hello to financial freedom. Our Fee-Free Checking account is built to give you more — more access, more flexibility, and more peace of mind.
Lafayette Federal Checking Account
Open a checking account online in minutes or stop into one of our branch locations today.
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Balance |
Min. to Open |
Dividend |
APY1 |
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¹APY=Annual Percentage Yield. ²Plus cost of check style selected. Dividends are compounded and paid monthly on the first day of the next dividend period. Your savings are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government. The rates and terms shown are effective as of May 1, 2025. |
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Balance All Balances |
Min. to Open $5 2 |
Dividend 0.025% |
APY1 0.025% |
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Balance |
Min. to Open |
Dividend |
APY1 |
Maximize your banking potential with our account advantages.
Relationship Checking Tiers
Our Relationship Checking program rewards those members who choose to maximize their financial relationship with us.
If you have a checking account with direct deposit, you may qualify for an attractive package of rewards. View our Relationship Checking Tiers.
Frequently Asked Questions
You may establish card controls within the Online Banking, including debit card blocks, alerts, and more. For cancellations, disputes, and lost/stolen cards, please contact us.
The credit union’s notification system through Online Banking is designed to send you up-to-date informational alerts on your account activity via email or text message.
Some of the features available to you:
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- Be alerted to Savings/Checking Accounts balances falling below a certain amount.
- Get notified when an overdraft transfer has been made.
- Know exactly when your deposits or withdrawals of a specific value are posted.
- Stay on top of your loan by having notices sent out (e.g. Payment Posted, Loan Payment Not Received).
To take advantage of this feature:
- Log into your Online Banking account
- Select More > Add a New Alert
- Choose the account or card you wish to add an alert to
- Select an alert type and delivery method (email or text)
- Click Save.
To set up debit card alerts, visit the Cards section of online banking, select the appropriate card, and then click the Add Alert button. Next, select your desired alert type, then method of communication.
You may change your debit card PIN anytime by dialing 1 (866) 985-2273 or, if outside of the U.S., 1 (531) 262-5314
Call the number above from the telephone number listed on your account. In order to change your debit card PIN, you will need to provide the following information:
- Your card number
- The four (4) digit expiration date
- The three (3) digit code on the back of the card near the signature line
- The four (4) digit PIN of your choice
Call the appropriate phone number:
- Debit Card Services: 1 (888) 918-7802 or, if outside of the U.S., 1 (636) 722-7111 collect
- Credit Card Services: 1 (866) 820-2904 or, if outside of the U.S., 1 (636) 722-7111 collect
During Lafayette Federal business hours, you may also contact us directly at (800) 888-6560 or cardservices@lfcu.org so we can put a hold on your account. If you believe you have misplaced you card, you can put your card on hold via our online banking or mobile app, and give yourself time to locate it before you call in.
In the mobile app or Online Banking, click on Cards, then go to your debit card and click “Block Card” You can unblock at any time!
Previously, you would have only received a personal call from a live agent if card fraud was suspected. With our new system, cardholders will immediately receive automated suspicious activity alerts in the following order. We will not ask for your card number during verification, however, you will receive a four-digit case number to provide to our live agent for verification.
1. Text message and email (if cell phone and/or email are listed on member’s account)
2. Automated call with instructions
Not finding what you’re looking for? Contact us
Our people say the nicest things.
Lafayette Federal has been my trusted credit union for the last 34 years, providing for me while I served both overseas and here in the United States! You have helped me to plan for the future, finance mortgages, fund my business start-up, and save for retirement. Thanks for being my bedrock as I now look forward to enjoying this next phase of my life.
Brian B. Member for 34 years
Open Your Account Today
Monday-Friday 8:30am – 4:00pm
Audio Response 24/7
301-929-7990
1-800-888-6560 (toll-free)
Disclosures
1APY=Annual Percentage Yield. 2Plus cost of check style selected. Dividends are compounded and paid monthly on the first day of the next dividend period. Your savings are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government.
2 Day Early Pay Disclosure
3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer and standard fraud prevention screening. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Early access is available for personal accounts only, and is offered at the discretion of the Credit Union. We reserve the right to cancel the service at any time without notice. Dividends will begin to accrue on the day early pay funds are received.
$150 Checking Account Bonus Offer
4Lafayette Federal membership is required. Offer is valid from February 1, 2025 through December 31, 2025. Lafayette Federal will match the required par value by depositing $50 into the checking account at account opening. Member must open a Lafayette Federal checking account, debit card, and online banking to be eligible. To receive an additional $100, member must set up and maintain at least one (1) qualified direct deposit (QDD) of at least $500 per month. Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. QDD must be established within 45 days of account opening. $100 will be deposited within 90 days of account opening. $50 minimum balance required to open and earn 0.10% APY (Annual Percentage Yield) on LFCU share savings account balances. Rates effective as of February 1, 2025. Your savings are federally insured up to $250,000 by the National Credit Union Administration, an agency of the U.S. government.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
