CHECKING

24/7 access via mobile/online banking
Over 30,000 surcharge-free CO-OP network ATMs nationwide
Free Visa® debit card, plus Zelle* payments and remote check deposit
OPEN AN ACCOUNT VIEW RATES

EZ CHECKING

Simple, free checking with no minimum balance requirement.

PERFORMANCE CHECKING

Earn dividends while keeping your money accessible. Ideal if you maintain a higher balance and want added value.

GUARDIAN CHECKING**

Checking with no monthly fees designed exclusively for law enforcement professionals. Includes FREE online data privacy protection or ID theft monitoring services.

CHOOSE YOUR BEST FIT

LAPFCU CHECKING ACCOUNTS - EFFECTIVE MARCH 1, 2026

ACCOUNTS ELIGIBILITY BEST FOR BENEFITS REQUIREMENTS MONTHLY FEE MIMIMUM TO OPEN
EZ All members Avoiding fees and minimum balance requirements FREE checking with no minimum balance requirements None None $25
PERFORMANCE All members Earning dividends, higher balances Earn dividends^ on your entire account balance when requirements are met $5,000+ average daily balance and $500+ monthly direct deposit/ACH credit $5.95 (waived with $1,000 average daily balance) $25
GUARDIAN Active-duty or retired sworn or civilian law enforcement professionals Law enforcement professionals who want free privacy or ID theft protection
  • FREE checking
  • FREE continuous removal of personal data from Internet for sworn professionals
  • FREE ID theft monitoring, prevention, and resolution for civilian professionals
 None None $25

Opening a checking account also helps you qualify for Relationship Rewards.^^

RELATIONSHIP REWARDS

Grow your account balance or add a low-rate loan to unlock valuable benefits! With our Relationship Rewards program, you earn more rewards just for deepening your relationship with us.

FAQs

GENERAL INFORMATION

A: We want to provide options that are valuable to you. Now our accounts are easier to understand and qualify for, with fewer requirements, simplified rewards, and enhanced features. We also removed potentially confusing overlap with other programs.

LAPFCU CHECKING ACCOUNT CHANGES, EFFECTIVE MARCH 1, 2026

CASH BACK BEFORE MARCH 1 AFTER MARCH 1 – EZ CHECKING
Benefits
  • 3% cash back on all debit card purchases up to $250
  • Unlimited out-of-network ATM transaction fee rebates
  • No fees with EZ Checking
Requirements for Benefits
  • 10 debit card transactions monthly
  • $250 minimum monthly direct deposit or ACH credit
  • Opt in to e-Statements/e-Disclosures
  • No fees with EZ Checking
EZ BEFORE MARCH 1 AFTER MARCH 1
Benefits
  • Unlimited out-of-network ATM transaction fee rebates
  • Unlimited out-of-network transaction fee rebates now available when you qualify for Relationship Rewards*
Requirements for Benefits
  • $250 minimum monthly direct deposit or ACH credit
  • Opt in to e-Statements/e-Disclosures
 None
GUARDIAN** BEFORE MARCH 1 AFTER MARCH 1
Free Benefit
  • Online privacy protection for active/retired sworn
  • ID theft protection and fraud monitoring for civilian professionals
  • Online privacy protection for active/retired sworn
  • ID theft protection and fraud monitoring for civilian professionals
ATM Rebates
  • Unlimited out-of-network transaction fee rebates
  • Unlimited out-of-network transaction fee rebates now available when you qualify for Relationship Rewards*
Requirements for Benefits
  • $500+ monthly direct deposit or ACH credit
  • Opt in to e-Statements/e-Disclosures
 None
PERFORMANCE BEFORE MARCH 1 AFTER MARCH 1
Free Benefit
  • Earn tiered dividends, with a higher rate on balances up to $15,000
  • Earn dividends on your entire account balance***
ATM Rebates
  • Unlimited out-of-network transaction fee rebates
  • Unlimited out-of-network transaction fee rebates now available when you qualify for Relationship Rewards*
Requirements for Benefits
  • 10+ debit card transactions monthly
  • $250 minimum monthly direct deposit or ACH credit
  • Opt in to e-Statements/e-Disclosures
  • Maintain $5,000 average daily balance
  • $500 minimum monthly direct deposit or ACH credit
Monthly Fee None
  • $5.95 waived with $1,000+ average daily balance
A: Find the account that best fits your lifestyle and financial needs.
 

LAPFCU CHECKING ACCOUNTS

ACCOUNTS ELIGIBILITY BEST FOR BENEFITS REQUIREMENTS MONTHLY FEE MIMIMUM TO OPEN
EZ All members Avoiding fees and minimum balance requirements FREE checking with no minimum balance requirements None None $25
PERFORMANCE All members Earning dividends, higher balances Earn dividends^ on your entire account balance when requirements are met $5,000+ average daily balance and $500+ monthly direct deposit/ACH credit $5.95 (waived with $1,000 average daily balance) $25
GUARDIAN Active-duty or retired sworn or civilian law enforcement professionals Law enforcement professionals who want free privacy or ID theft protection
  • FREE checking
  • FREE continuous removal of personal data from Internet for sworn professionals
  • FREE ID theft monitoring, prevention, and resolution for civilian professionals
 None None $25
A: Every LAPFCU checking account includes:
•    24/7 access to online and mobile banking with Zelle®^ and remote check deposit
•    Easy online debit card management
•    Access to fee-free CO-OP branches and ATMs nationwide

Plus, get additional benefits with Performance and Guardian accounts.
 
A: Yes. You can:
•    Visit a branch 
•    Call us at (877) 695-2732 
•    Schedule a virtual appointment with one of our helpful associates 
•    Compare checking account features 

 
A: Yes. You can switch to another checking account that best fits your needs anytime. 

To change account types, please log on to mobile or online banking and fill out this form:
Services > Forms > Checking Account Type Change

You can also call us at (877) 695-2732 or visit a branch for assistance. 
 
A: Unlimited out-of-network ATM transaction fee rebates are now part of our Relationship Rewards program to simplify account requirements and strengthen benefits. 

GUARDIAN CHECKING

A: We’ve removed monthly requirements. You no longer need a $500+ monthly direct deposit or ACH credit or to opt in to e-Statements to qualify for free online privacy protection or ID theft protection and fraud monitoring. However, now you’ll need to qualify for Relationship Rewards to receive unlimited out-of-network ATM fee rebates. 
A: Yes. Guardian Checking includes free personal data privacy protection for law enforcement:
•    Sworn: Continuous removal of online personal data for the member and their household family members.
•    Civilian professionals: ID theft monitoring, fraud protection, and identity restoration.
 
A: No. Guardian Checking is free to eligible members, with no monthly fee.
 
A: Active-duty or retired sworn and civilian law enforcement professionals.

PERFORMANCE CHECKING

A: Dividends apply to your entire balance. Previously, dividends were tiered, with higher dividends on just the first $15,000. Now one rate applies to your whole balance, so you have the potential to earn more dividends. We’ve also simplified monthly requirements:

•     A fee of $5.95 per month is waived with a $1,000+ average daily balance. 
•    Must maintain a $5,000+ average balance and receive $500+ in monthly direct deposit or ACH credits to qualify for dividends. 

However, now you’ll need to qualify for Relationship Rewards to receive monthly ATM fee rebates. 

 

EZ CHECKING

A: We’ve removed all requirements! However, now you need to qualify for Relationship Rewards to  receive unlimited out-of-network ATM fee rebates. When you qualify, you’ll receive additional valuable benefits. 
 

CASH BACK CHECKING TRANSITION

A: After an extensive review, we determined it was in the best interest of our members and the Credit Union to discontinue Cash Back Checking, due to low participation and limited value. We now offer alternatives designed to better meet your needs and deliver greater value.

As of March 1, 2026, Cash Back Checking accounts will automatically switch to our EZ Checking, which has no monthly fee and no minimum balance requirement. 

If you would like to change account types, fill out this form in mobile or online banking by February 15.

You can also call us at (877) 695-2732 or visit a branch. 
 

RELATIONSHIP REWARDS

A: Relationship Rewards replaces Member Benefits. This tiered program automatically rewards members for growing their relationship with LAPFCU. 

The more members deepen their relationship with us—by increasing balances, adding a loan, or using other services—the more perks they unlock, like unlimited out-of-network ATM fee rebates, rate bonuses, loan discounts, and more.