Personal Checking Accounts

Managing your daily finances has never been easier.


FREE Checking

No minimum balance requirement and no monthly maintenance fees.



Dividend Checking

Earn dividends on balances of $1,000 or more.
A minimum balance of $1,000 is required.* 



Enjoy Local Banking with Nationwide Convenience

Whether you’re in your backyard or across the nation, you can easily access your Discovery FCU account.

Access your account at 5,000 branches nationwide

Discovery FCU participates in a shared branching network of credit unions allowing you to deposit checks or cash to your Discovery account, withdraw cash, transfer funds, and make your Discovery loan payment at other participating credit union branches nationwide. Click here to learn how to use the shared branching network or to locate the closest shared branch near you.


Get Quick Access to your Cash at more than 55,000 Surcharge-Free ATMs Worldwide

Discovery is part of the Allpoint Network and CU$ Alliance, bringing you more than 55,000 surcharge-free ATMs worldwide. Just look for the Allpoint or CU$ logos on any ATM and access your money surcharge-free. Locate Allpoint surcharge-free ATMs near you now.  Click here for a list of CU$ ATM locations.


discovery fcu loans


“The staff at Discovery are always friendly and helpful. They go out of their way to answer my questions or help me solve a problem.”

Take Control of Your Financial Life with Discovery FCU’s Digital Banking


  • Block and unblock your debit card
  • Deposit checks with your mobile device
  • Make transfers to family and friends with accounts at Discovery FCU or at another credit union or bank
  • Make transfers to or from your accounts you have elsewhere
  • Tap to call Discovery FCU member service
  • Pay your bills
  • Get account alerts
  • And more!



Free Checking and Dividend Checking Benefits

Handy, convenient, and safe, that’s where we start. Discovery FCU checking account benefits include:

  • Online Banking – 24/7 services via desktop, laptop, tablet, or phone
  • Mobile Banking – includes mobile check deposits
  • Visa Debit Card – Block and unblock your card, monitor card usage, and receive alerts with our mobile banking app
  • Free Online Bill Pay – Keep your bills paid when you’re on the go
  • Convenient Access – Get cash or make deposits at any one of 55,000 surcharge-free ATMs worldwide or visit any of 5,000 credit union shared branches nationwide.
OPEN AN ACCOUNT ONLINE Book an Appointment

Members must be 13 years of age or older to open a checking account. Primary account owners between the ages of 13 to 17 years of age MUST have an adult (person 18 years of age or older) listed as a joint owner on the account to open a checking account.

*Dividend Checking Below Minimum Balance Fee – $4.95/Month
Dividend Checking minimum balance is $1,000.00.

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