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Please be advised that Lafayette Federal will be closed on Tuesday, July 4th in observance of Independence Day. Members may access their accounts 24/7 via Online Banking or our Call Center at (301) 929-7990 or (800) 888-6560.
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Serving members worldwide since 1935.

Checking

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

Enjoy additional free services with Relationship Checking.

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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.

Dividends.

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

Surcharge-Free ATMs.

Access more than 100,000 ATMs around the world surcharge-free.

With these networks, you have access to more than 100,000 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.
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 30‚000 surcharge-free ATMs worldwide.

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 Chart
*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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    Rates as low as 2.998% APR*