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Dare to compare. Free checking at its finest.

Checking that pays? Unheard of, right? Well, check again! With Checking Saver, you earn 5% APY on balances up to $25,000 with minimal qualifications met. Or, with Checking Pays, you get 3% cash back on up to $300 in monthly debit card purchases. And, if you’re a no-frills kind of person, Free4all Checking is the right ticket.
Which account will you choose?

Let's find the right account for you.

  •  

    Features

     

    Features

  • FREE Checking Saver Account*

    FREE Checking Saver Account*

  • Monthly Rewards

    Monthly Rewards

  • Monthly Maintenance Fee

    Monthly Maintenance Fee

  • Refunds on ATM Withdrawal Fees

    Refunds on ATM Withdrawal Fees

  • Free Online & Mobile Banking Access

    Free Online & Mobile Banking Access

  • Free Debit Card

    Free Debit Card

  • Minimum Opening Deposit

    Minimum Opening Deposit

  • eStatements Enrollment Required?

    eStatements Enrollment Required?

  •  

    Features

    • 5.00% APY on all balances up to and including $25,0001
    • 1.38% to 5.00% APY1 on balances over $25,000 depending on account's daily balance
    • 0.05% APY1 if qualifications aren't met
  • FREE Checking Saver Account*

  • Monthly Rewards

    Yes2

  • Monthly Maintenance Fee

    None

  • Refunds on ATM Withdrawal Fees

    Up to $25 monthly**

  • Free Online & Mobile Banking Access

  • Free Debit Card

  • Minimum Opening Deposit

    $25

  • eStatements Enrollment Required?

    Yes

  •  

    Features

    • 3.00% cash back on debit card purchases, up to $300 in total purchases3
    • Up to $9 total cash back per monthly qualification cycle3
  • FREE Checking Saver Account*

  • Monthly Rewards

    Yes3

  • Monthly Maintenance Fee

    None

  • Refunds on ATM Withdrawal Fees

    Up to $25 monthly**

  • Free Online & Mobile Banking Access

  • Free Debit Card

  • Minimum Opening Deposit

    $25

  • eStatements Enrollment Required?

    Yes

  •  

    Features

    • A free, no-strings-attached checking account
  • FREE Checking Saver Account*

    None

  • Monthly Rewards

    No

  • Monthly Maintenance Fee

    None

  • Refunds on ATM Withdrawal Fees

    No

  • Free Online & Mobile Banking Access

  • Free Debit Card

  • Minimum Opening Deposit

    $25

  • eStatements Enrollment Required?

    No

Checking Saver

Ready to put your rewards to work? It’s easy with Checking Saver.
Checking Saver is a free, variable rate, deposit account with no minimum balance that rewards accountholders with dividends when they meet the minimum qualifications associated with their linked Checking Plus checking account during each Monthly Qualification Cycle.
With Checking Saver, you’re basically getting paid to bank here. It’s as easy as using your debit card. Qualifying for Checking Plus and Checking Pays rewards automatically qualifies you for the highest Checking Saver rate, too.
Learn More About Checking Saver
Checking Saver Plus

Ultimate Benefits

If you want extra perks, then Ultimate Benefits is for you. Features such as discounts on travel & rental cars, entertainment, consumer services and so much more are available upon enrollment. A Keesler Federal checking account is required.

Here’s a few highlights of your benefits:
  • Cellular Care Coverage – $600 in coverage
  • Travel Benefits – full-service travel, cash back benefits
  • TicketXpress – discounts on entertainment, sporting events, movies & more
  • Cash Back Rewards – from 3,000+ online merchants
  • Health Savings – pharmacy, hearing, vision, dental
  • Consumer Services – purchase protection, 90-day warranty
  • Local Savings – hundreds of area merchants
  • Pet Health Insurance – save up to 15% on premier medical and wellness plans for your pets
  • SavingsXpress – Instant mobile savings at thousands of local merchants
  • And so much more…

All for a low membership fee of $3.99 per month, charged to your Keesler Federal Credit Union checking account.

Explore Ultimate Benefits Existing Ultimate Benefits Users

Checking

Checking Account Benefits

Debit Card

Enjoy the benefits of our Mastercard® Platinum Debit Card. A free debit card is included with every Keesler Federal checking account. Benefits include:

  • No monthly fee and unlimited purchases
  • Easy, safe and convenient—can be used anywhere Mastercard® is accepted
  • Free cash withdrawals at Allpoint, CUHere and MoneyPass ATMs
  • Get cash back for point-of-sale purchases
  • Extended warranty, price protection and other perks
  • Eleven great designs to choose from

Overdraft Privilege

Life is busy and unpredictable. Despite your best efforts, it can be easy to lose track of your account balance. Overdraft Privilege is a service that protects you (up to an assigned limit) when there is insufficient money in your checking account to cover transactions such as checks, teller withdrawals, ACH transactions, and recurring debit card payments. There is no cost for this service unless you use it; you may be charged a $25 fee for each overdrawn item.

Overdraft Privilege members will not be charged the $25 Overdraft Privilege fee for transactions that overdraw their checking account by $5 or less.

Make Smart Change With Your Spare Change

Smart Change automatically rounds up all your debit card purchases to the next dollar and deposits the difference into a savings account earning 2% APY* in dividends.

It’s an easy way to save –and grow – your money!

All you need to get started is an eligible Keesler Federal checking account and a debit card.

You can enroll by calling 1-888-KEESLER or find your nearest branch to enroll in person.

 

*APY = Annual Percentage Yield.

Little girl putting money in piggy jar being held by her dad

Simply Debit Savings Account

Simply Debit®—a savings account with a debit card—is designed for members who may not qualify for a standard checking account, but still need the convenience of an account with a debit card. For a $10 monthly fee,5 you enjoy:

  • Free Mastercard® Debit Card
  • Free online banking
  • Free mobile banking
  • Worldwide ATM access

After a year of responsibly using Simply Debit, you may apply for one of our regular checking accounts.

Visit any branch to learn more about Simply Debit.

Debit Card

Budgeting Calculators

Checking FAQs

To report a lost or stolen debit or credit card during business hours

Mon -Fri: 8:00am – 5:00pm CST
Sat: 9:00am – 1:00pm CST
1-888-533-7537 ext. 6420

After Business Hours: Debit Cards

Lost/Stolen: 888-297-3416
Outside U.S. 206-389-5200
Activation & PIN: 800-290-7893
Outside U.S. 206-624-7998

After Business Hours: Credit Cards

Signature VISA: 866-576-1290
Platinum, Classic or Business VISA: 866-820-6980
Activation: 800-527-7728
PIN Change: 888-886-0083

No. To open a checking account members are required to have a savings share account with a minimum of $5 at all times.

Yes, you may make up to 6 withdrawals per month through online and mobile banking or by calling or visiting a branch.

You can order checks online. You will need your routing number, account number, and zip code.

See all Checking FAQs

I am so satisfied with Keesler Federal. I originally wanted to try and build my credit and they helped me achieve and understand so much more.

— PATRICIA W., JACKSON, MS

Disclosures

*Checking Saver is a free, variable rate, deposit account with no minimum balance that rewards accountholders with dividends when they meet the minimum qualifications associated with their linked Checking Plus account during each Monthly Qualification Cycle. Learn More.

View the Membership and Account Terms and Conditions for more information about your account.

Checking Plus Disclosure

1Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means the current statement cycle.

Visit www.kfcu.org/save-spend-borrow/checking/ for specific Monthly Qualification Cycle dates.

“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Visit www.kfcu.org/save-spend-borrow/checking/ for specific Statement Cycle dates.

2Reward Information:

When your Checking Plus account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $25,000 in your Checking Plus account earn a dividend rate (APR) of 4.89% resulting in an APY of 5.00% and daily balances greater than $25,000 earn a dividend rate (APR) of .50% on the portion of the daily balance over $25,000, resulting in a range from 1.38% to 5.00% APY depending on the account’s daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Checking Plus account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. When your Checking Plus qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.049% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Checking Plus account on the first day following the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first day following the current statement cycle.

APY = Annual Percentage Yield. APYs accurate as of 05/01/2023. APY calculations are based on an assumed balance $25,000 + $100,000 in your Checking Plus account and an assumed statement cycle of /thirty-one (31) days.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25 minimum deposit is required to open the account.

Having at least 12 debit card transactions and at least 1 monthly direct deposit, automatic payment (ACH), or bill pay transaction are conditions of this account. Enrollment in e-statements is also required as an account qualification to receive rewards.

Limit of 1 account(s) per social security number. There are no recurring monthly maintenance charges or fees to open or close this account.

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA.

Trademarks:

Checking Pays Disclosure

3Reward Information:

When Checking Pays qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash back on up to a total of $300 debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash back payments may be earned per Monthly Qualification Cycle.

**You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Checking Pays account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

When your Checking Pays account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Checking Pays account on the first day following the current statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed.

1Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account’s rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards.

“Monthly Qualification Cycle” means the current statement cycle.

Click here for Monthly Qualification Cycle dates.

“Statement Cycle” means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder’s account. Visit www.kfcu.org/save-spend-borrow/checking/ for specific Statement Cycle dates.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

$25 minimum deposit is required to open the account.

Having at least 1 direct deposit, ACH credit, or ACH payment transaction are conditions of this account.

Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account’s qualifications.

Limit of 1 account(s) per social security number.

There are no recurring monthly maintenance charges or fees to open or close this account.

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

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