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Due to important upgrades, all Lafayette Federal systems will be offline from 5:00 p.m. to 9:00 p.m. ET on Wednesday, December 12th. Please know we are working hard to improve your member experience and will work diligently to restore our systems as soon as possible. X
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Serving members worldwide since 1935.


  • No monthly fee
  • No minimum balance
  • Free online banking
  • Free mobile deposit

Enjoy additional free services with Relationship Checking.

Open Account

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Order Checks

Our checking account offers the conveniences of bank checking, plus these very distinct advantages:

No Minimum Balance Requirements.

Don't stress about maintaining a certain balance in your checking account — there is no minimum balance required for our checking account.

No Monthly Maintenance Fees.

There are no maintenance fees for this account — it's strictly a no-fee checking account.


Funds in your checking account earn dividends from the date of deposit.

Surcharge-Free ATMs.

Access an extensive network of ATMs around the world surcharge-free.

With these networks, you have access to an extensive network of surcharge-free ATMs worldwide including locations at popular retailers such as 7-Eleven®, CVS Pharmacy, Costco® and Walgreens. Find a Surcharge-Free ATM

Plus, enjoy a number of features you've come to appreciate:

REDI-CASH Overdraft Protection Line of Credit is an open-ended line of credit used in conjunction with a checking account. This protection is activated when you overdraw your account. That means no more bounced checks!

There's no charge to open an Overdraft Protection Line of Credit account. Finance charges accrue only when the account is activated. You must have a checking account and qualify for a minimum line of credit. Maximum line of credit is $30,000.

Apply for REDI-CASH Overdraft Protection

Learn about other Overdraft Protection Options

Our debit card allows you to make purchases and get cash anywhere Mastercard®, Cirrus, Credit Union 24 or Member Access cards are accepted. Request one when you open your checking account.

In addition to the ATMs at our branch locations‚ and a number of credit union owned ATMs throughout the D.C. area, our members have access to more than 100‚000 surcharge-free ATMs worldwide.

Find a Free ATM

Stay on top of your debit card activity with Lafayette Federal's Mastercard® Alerts! Register for a range of customizable alerts for your debit card, and receive a text message or email when your card is used.

Once you complete the secure registration process, you may set notifications for transaction types and dollar amounts regarding:

  • Purchases over a selected amount
  • International purchases
  • Declined transactions
  • Withdrawals and transfers
  • And more!

Register for Debit Card Alerts

Enjoy More Free Services with Relationship Checking

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 a Checking Account that provides an attractive package of rewards. And the more rewards you get, the more money you save and earn.

There are four different levels of relationship checking:

1. Presidential
2. Premier
3. Preferred
4. Basic

If you participate in relationship checking, your current level is indicated on your account statement every month. Take a look at the chart to see how you can qualify for each rewards level and its money-savings benefits!

Relationship Checking

Bill Pay with no fee
 Identitiy Theft Security
(ID Restoration FREE for 6 months/ID Protect Plus FREE for Presidential)

 eZforex foreign currency purchase discount delivery
(one FREE delivery per year)

 Incoming wire (no fee)

 Cashiers check (no fee)

 Stop payment order (no fee)

 Share draft photocopy (no fee)

 Money orders (no fee)

 Replacement ATM/debit card (no fee)

 Replacement ATM/debit PIN (no fee)

 $5 credit for purchase of checks
 $10 credit for Presidential

 Verification of deposit at no fee

 Statement photocopy at no fee


Lafayette Federal Checking with Qualified Direct Deposit is required

Combined average monthly share and loan balance of $500,000+ with at least $20,000 in deposits is required

Combined average monthly share and loan balance of $250,000+ with at least $5,000 in deposits is required

Combined average monthly share and loan balance of $10,000+ with at least $1,000 in deposits is required

Lafayette Federal Checking Account with Qualified Direct Deposit is required

*Eligibility criteria for rewards level re-evaluated on a monthly basis. Rewards subject to change based on eligibility. 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 account on a month-to-month basis made by an outside organization or agency.

Have Questions? Just ask.
Open a Checking Account

Full Rate Details
Account Disclosures
Order Checks

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    Lafayette Federal HomeAdvantage is a free member service that can help you buy, sell and save on your home.

    Save $100s to $1,000s in Cash Rewards*

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    A Lafayette Federal Holiday Loan is the perfect way to cover your extra spending this season.

    Rates as low as 4.74% APR*

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    Rates as low as 2.375% APR*