JSC Federal Credit Union (JSC FCU) proudly offers a wider variety of products and services than some other finanical institutions that offer free checking. This is because we are a member-owned, not-for-profit financial cooperative. With more than 123,000 members and more than 2,000 Community Business Partners, we are committed to provide the best products and services available. Because we’re member owned, we are dedicated to treating all our members with dignity and respect, and we offer honest and fair deals to all members at all times.

JSC FCU Checking Options

We offer free checking accounts with no minimum balance requirement. Our free checking accounts feature all the advantages of the traditional checking accounts from free checking, along with the latest in modern convenience. We have a variety of options to fit your lifestyle. Our checking accounts can be linked with other JSC FCU products and services, so that managing your finances is easy and efficient.

Our checking account options include:

Express Checking
Express Youth Checking
Money Market Checking
Horizon Express Checking

Express Checking

Our JSC FCU Express Checking account offers:

• Free access to over 55,000 ATMs with no surcharge fee
• Free VISA Debit Card
• Free access to over 5,000 Credit Union Service Centers
• Free Online, Mobile App and Telephone Banking
• Free eStatements
• No Monthly Service Fee
• Earn monthly dividends on balances of $750 or more
• No minimum balance
• No monthly Visa Debit Card usage fee
• No monthly service charge for overdraft protection
• Free account alerts
• Low minimum opening deposit of $25

Express Youth Checking

Designed for the younger members of JSC FCU, our Express Youth Checking account uses technology, convenience and special benefits to instill great financial habits. In addition to the features of our regular Express Checking account, our Express Youth Checking requires:

• Low minimum deposit; just $10 to open an account
• Members must enroll in free online Banking and eStatements, so they get accustomed to tracking their finances
• Teens from 14 to 17 must bring in a parent or legal guardian to sign as a joint owner for the checking account
• Members may be eligible to participate in our First-Time Auto Buying Program

Money Market Checking

Our Money Market Checking is a high yield investment alternative. It allows members to earn higher than typical savings dividends, while maintaining the benefit of liquidity. This account requires a minimum opening deposit of $1,000.

Horizon Express Checking

The JSC FCU Horizon Express Checking account is specifically designed for seniors age 55 and up, and offers special benefits to handle finances in a simple and cost-effective way.

Contact a JSC FCU representative to see how our alternative to other financial institutions that offer free checking can benefit you.


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