See Your Possibilities With Our Checking Accounts

Choose the best option for your needs

Key Checking Account Features

Free eDeposit

Deposit checks with your iPhone or Android smartphone through the Logix Mobile App.

Free Early Payday

Early Payday with Direct Deposit*! Get access to your paycheck funds up to 2 days faster.

Free Access to More Than 30,000 ATMs

Access to 30,000 Fee-Free CO-OP ATMs. That's way more than the big banks offer.

Free Mobile Banking and Online Banking

Mobile banking anytime, anywhere. Pay your bills, stop payments, check your accounts, and more.
Teen
Checking
NextGen
Checking
Advantage
Checking
Premier
Checking
High Rate
Checking
Ages
 
 
 
 
13 to 17
18 to 24
18+
18+
18+

Dividends
 
 
 
 
No
No
No
Yes
On balances
over $2,500*
Yes
On balances
over $20,000*

Service Charge
 
 
 
 
$0.00
$0.00
with
e-Statements**
$3.95
with
e-Statements**
$6.95
with
e-Statements**
$10.95
with
e-Statements**

*Dividends are earned daily and are credited and compounded monthly on the first day of each month.

**Regular Monthly Service Charge without e-Statements - NextGen Checking - $2.95, Advantage Checking - $5.95, Premier Checking - $8.95, High Rate Checking - $12.95

Full Comparison Chart

Create an Account in 3 Easy Steps

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account to open
Fill
in your details
Determine
deposit amount
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Need help?

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Frequently Asked Questions

How do I open a Logix Federal Credit Union Checking Account?

You can apply for a Checking Account online, by phone, or in person at any branch. Logix membership is required.

What are the monthly fees for a Checking Account?

The monthly service fees vary depending on the type of account you open. Click here to learn more.

Is there a minimum balance requirement?

Minimum opening deposits vary for each checking account. There are minimum balance requirements to avoid monthly service charges. Click here to compare checking accounts.

What are the features and benefits of the account?

The top features of the checking accounts include free online and mobile banking, early payday with Direct Deposit*, free eDeposit, and access to 30,000 fee-free CO-OP ATMs.

What is Early Payday with Direct Deposit?

We process Direct Deposits as soon as we get notification from your employer, so when you ask them to set up your pay as a Direct Deposit to your Logix account those funds could be available up to two days earlier than your standard payday date, depending on your employer.

What is an overdraft?

An overdraft occurs when you do not have enough money in the available balance in your account to cover a transaction at the time it is presented for payment, but Logix Federal Credit Union pays it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection transfer plans, such as a transfer from your savings, which may be less expensive than our standard overdraft practices.

Click here for all the details.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Logix pays my overdraft?

Under our standard overdraft practices, no Courtesy Pay Fee is charged if your available balance overdraft is $5.00 or less. The following tiered fees apply if your available balance overdraft is more than $5.00:

  • No Charge for any item/transaction of $5.00 or less;
  • $10.00 for each item/transaction amount between $5.01 and $15.00; and
  • $30.00 for each item/transaction amount over $15.00

The maximum you could be charged per day for Consumer accounts is five (5) overdraft fees totaling up to $150.00 and for Business accounts are ten (10) overdraft fees totaling up to $300.00.

What if I want Logix to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions here are your options:

  • In Person - When applying for membership or at any time, just ask to Opt-In to Courtesy Pay for ATM and everyday debit card transactions and complete and sign our Opt-In Consent form.
  • Online - When logged on to Online Banking, go to the Account Services tab, select Courtesy Pay Options to go to the Courtesy Pay page, and click on the Opt-In button, or
  • Over the Phone - Call us at (800) 328-5328

What if I have previously Opted-In and I no longer want Logix to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you no longer want us to authorize and pay overdrafts on ATM and everyday debit card transactions:

  • In Person - Visit us at any one of our branches.
  • Online - When logged on to Online Banking, go to the Account Services tab, select Courtesy Pay Options to go to the Courtesy Pay page, and click on the Opt-Out button, or
  • Over the Phone - Call us at (800) 328-5328

*We process Direct Deposits as soon as we get notification from your employer, so when you ask them to set up your pay as a Direct Deposit to your Logix account those funds could be available up to two days earlier than your standard payday date, depending on your employer.