Welcome to Liberty First Credit Unionfacebooktwitter
HomeAbout LFCUPersonalSmall BusinessInsuranceLoansEducation and resources
  Checking Accounts

  • Free Kasasa Cash® Checking 
    OPEN KASASA CASH ONLY ONLINE NOW                 OPEN KASASA CASH & SAVER ONLINE NOW

    With Kasasa Cash®, you’ll earn rates higher than the national average. Plus, get up to $25 a month in refunds on ATM fees – whether you’re in Lincoln or anywhere else in the country.
     
    Earning your rewards just takes a few banking basics you’re probably already doing. And, as always, your Kasasa® checking account is always free.

    Account Benefits:

    • 2.50% APY* on balances up to $25,000
    • 0.05% APY* if qualifications aren't met
    • Refunds on ATM fees nationwide (up to $25 monthly)*
    • Can link to high-interest Kasasa Saver® account
    • No minimum balance to earn rewards 
    • No monthly service fee
    • Free Online Access and Bill Pay
    • Free eStatements 
    • Free Mastercard® Debit Card
    • $50 minimum deposit to open

    Earning Rewards is Easy.

    To earn your rewards, simply do the following activities and transactions in your Kasasa Cash® account each monthly qualification cycle:

    • Have at least 12 signature based debit card purchases post and settle
    • Be enrolled and log into Online Access
    • Be enrolled and receive eStatements  
    • Have at least one (1) net direct deposit or ACH transaction post and settle

    If you don’t qualify for your rewards for the month, there’s no penalty fee. Your Kasasa checking account is always free, and you can get back to earning your rewards the very next month. You can view the Qualification and Statement Cycles here.

    *APY=Annual Percentage Yield. APYs accurate as of 07/21/2014. Rates may change after account is opened. Minimum to open is $50 for Kasasa. For Kasasa Cash, if qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 2.50%; and (3) balances over $25,000 earn 0.25% interest rate on the portion of the balance over $25,000, resulting in 2.50% - 0.70% APY depending on the balance. If qualifications are not met on Kasasa Cash all balances earn 0.05% APY. Qualifying transactions must post to and settle Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. The advertised Kasasa Cash APY is based on compounding dividends. Dividends earned in Kasasa Cash are automatically transferred to Kasasa Saver each statement cycle and do not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. ATM Receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions.
    Limit one account per SSN. 
     
  • Free Kasasa Tunes® Checking                                    OPEN ONLINE NOW

    Earn rewards towards movies, music, apps, and more. With Kasasa Tunes, you’ll get reimbursed for your iTunes® and Amazon® purchases monthly. All it takes is a few banking basics you’re probably already doing.
     
    Your Kasasa checking account is always free, and we’ll even refund your ATM fees, nationwide.*

    Account Benefits:

    • $5.00 in iTunes® or Amazon® purchases reimbursed monthly* 
    • Earn $10.00 in the first 30 days*
    • Refunds on ATM fees nationwide (up to $25 monthly)*
    • No minimum balance to earn rewards 
    • No monthly service fee
    • Free Online Access and Bill Pay
    • Free eStatements 
    • Free Mastercard® Debit Card
    • $50 minimum deposit to open

    Earning Rewards is Easy.

    To earn your rewards, simply do the following activities and transactions in your Kasasa Cash® account each monthly qualification cycle:

    • Have at least 12 signature based debit card purchases post and settle
    • Be enrolled and log into Online Access
    • Be enrolled and receive eStatements  
    • Have at least one (1) net direct deposit or ACH transaction post and settle

    If you don’t qualify for your rewards for the month, there’s no penalty fee. Your Kasasa checking account is always free, and you can get back to earning your rewards the very next month. You can view the Qualification and Statement Cycles here.

    *Minimum to open is $50. You will be refunded up to $10 for iTunes® and/or Amazon.com&® purchases that post to and settle account during the first 30 days after you open account. Refunds will be credited to account on the last day of statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $5 in refunds of iTunes and/or Amazon.com purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account. Qualifying transactions must post to and settle the account during monthly qualification cycle. Transactions may take one or more banking days from date transaction was made to post to and settle account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 if qualifications are met within monthly qualification cycle. iTunes is a registered trademark of Apple, Inc. and Amazon.com is a registered trademark of Amazon Inc. Apple Inc. and Amazon Inc. are not participants in or sponsors of this program. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Transfers between accounts do not count as qualifying transactions. PIN based transactions do not count towards qualifying debit card transactions. Limit one account per SSN.  
     
  • Free Checking                                                             OPEN ONLINE NOW

    A no cost checking account that includes unlimited check writing.

    • Minimum Deposit. The minimum deposit to open this account is $50.00
    • Minimum Balance. There is no minimum balance requirement for this account
    • Fees and Charges. This account has no monthly maintenance or activity charge
    • Select duplicate checks for easy record keeping
    • Rate Information. This account earns no dividends
    • 3 free foreign ATM transactions with Direct Deposit

    (If you use Courtesy Check Pay to cover insufficient funds items, Liberty First Credit Union’s fee of $35.00 will apply to each item.) 

  • 50 Plus Lifestyle Checking                                          OPEN ONLINE NOW

    A checking account available to members age 50 and older. This account pays dividends and offers limited check styles free of charge with a low monthly balance requirement.

    • Minimum Deposit $50
    • Statement Options: Both E-Statements and Paper Statements are free with this account.
    • Free Cashier Checks, Money Orders and No Fee Travel Money Card
    • 3 Free Foreign ATM Transactions with Direct Deposit
    • You must be at least 50 years of age.
     
  • Business Basic Checking     

    Designed for small business with a minimum of 50 deposit items.

    • Minimum Deposit. The minimum deposit to open this account is $50.00.
    • Minimum Balance. A $250.00 average monthly balance is required.
    • Fees and Charges. A$5.00 monthly maintenance fee is assessed if the average monthly balance is less than $250.00
    • Balance Information. Dividends will be calculated by the average daily balance method which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in your account for each day of the period and dividing that figure by the number of days in the period. The periodic rate earned for the period will correspond to the average daily balance tier as disclosed in the Rate Schedule.
  • Business Plus Checking

    Are you a business that carries a higher monthly balance? Then this account is for you!

    • Minimum Deposit. The minimum deposit to open this account is $50.00.
    • Minimum Balance & Fees and Charges:
      Monthly BalanceMonthly Fee
      $1,000.00$15.00
      $5,000.00$12.00
      $10,000.00$10.00
      Over $10,000.00No Fee

       
    • Balance Information. Dividends will be calculated by the average daily balance method which applies a periodic rate to the average daily balance in your account for the period. The average daily balance is calculated by adding the balance in your account for each day of the period and dividing that figure by the number of days in the period. The periodic rate earned for the period will correspond to the average daily balance tier as disclosed in the Rate Schedule.
 Common Checking Account Features
  • Free account information or transfers via EZ-LINE (telephone access) or (internet access).Access Online
  • VISA Check Card provides access to ATMs and may be used as a check substitute for purchases
  • Overdraft protection is available through a line of credit, savings transfer, or both
  • Duplicate copies of checks are provided for easy record keeping
  • Unlimited check writing
  • No per check fees
  • Bill Pay Online — FREE (A non-usage fee of $4.95 per month will be charged after 2 months of non-use.)
  • Direct Deposit - Save time by having your paycheck directly deposited into your checking account. Get the form to give your employer here.