Checking

Our checking accounts have it all - convenience, flexibility and the right pricing! With numerous checking plans to choose from, you will definitely find the fit for you. Whether you’re in school, on the job, or retired you’ll find the benefits and features that you’re looking for at L&N Federal Credit Union.

 

Get Paid Early!

When you sign up for Direct Deposit, you’ll enjoy early access* to your pay. If your deposit arrives earlier than your scheduled pay date, we will make those funds immediately available to you (it may arrive 1 - 2 days sooner than scheduled). Now that’s convenient!

  • Direct Deposit/Early Access requires an active L&N checking account and direct deposit. Early access is subject to when we receive your electronic transmission of pay. Holidays may impact the day your direct deposit is received.

OPEN AN ACCOUNT NOW

L&N Routing Number 283079227

Student Checking

Our Student Checking Account, for students age 16-24, offers everything you need to start your financial journey off right.

 

  • No monthly fee
  • No minimum balance
  • Free Instant Issue debit card
  • Free Internet & Mobile Banking
  • Free Mobile Deposit
  • Free Digital Wallet with Apple Pay & Android Pay
  • Free BillPay
  • Free Money Management
    (Personal Online Budgeting Tool)
  • Free Debit Card Alerts & Controls
  • Free Official Checks
  • Free Smart Banking Consultation
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

Superior Checking

  • $2000 minimum balance
  • If balance drops below $2000, $10 per month
  • Dividends still paid if balance drops below $2000
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free Official/Certified Checks
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

Preferred Checking

A checking program designed for our senior members 50 and up

  • No minimum balance
  • No monthly fee
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

Premium Checking

3 services and a minimum aggregate balance of $40,000 required to qualify

  • No minimum balance
  • No monthly fee
  • Dividend earning
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free Official/Certified Checks
  • Free stop payments
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

CareFree Checking

  • No minimum balance
  • No monthly fee
  • Unlimited check writing
  • Free debit card
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

Student

Military & First Responder

Superior

Preferred

Premium

CareFree

Military & First Responder Checking

Our Military & First Responder Checking is a way for us to say Thank You! We have packaged together the best features for this checking account, as well as created unique military and patriotic debit card designs to choose from.

  • Active duty, Veterans and First Responders, (Police, Fire, EMS, & EMD) may take advantage of this checking account
  • Must have valid ID
  • No minimum balance
  • No monthly fee
  • Dividend Earning
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free official/certified checks
  • Free stop payments
  • Free Internet & Mobile Banking
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky
Equal Housing Lender

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Equal Housing Lender
Equal Housing Lender
Equal Housing Lender
  • No minimum balance
  • No monthly fee
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky
  • No minimum balance
  • No monthly fee
  • Dividend earning
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free Official/Certified Checks
  • Free stop payments
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky
  • No minimum balance
  • No monthly fee
  • Unlimited check writing
  • Free debit card
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky
  • $2000 minimum balance
  • If balance drops below $2000, $10 per month
  • Dividends still paid if balance drops below $2000
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free Official/Certified Checks
  • Free Internet & Mobile Banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

Our Student Checking Account, for students age 16-24, offers everything you need to start your financial journey off right.

  • No monthly fee
  • No minimum balance
  • Free Instant Issue debit card
  • Free Internet & Mobile Banking
  • Free Mobile Deposit
  • Free Digital Wallet with Apple Pay & Android Pay
  • Free BillPay
  • Free Money Management
    (Personal Online Budgeting Tool)
  • Free Debit Card Alerts & Controls
  • Free Official Checks
  • Free Smart Banking Consultation
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

Our Military & First Responder Checking is a way for us to say Thank You! We have packaged together the best features for this checking account, as well as created unique military and patriotic debit card designs to choose from.

  • Active duty, Veterans and First Responders, (Police, Fire & EMS) may take advantage of this checking account
  • Must have valid ID
  • No minimum balance
  • No monthly fee
  • Dividend earning
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free Official/Certified Checks
  • Free stop payments
  • Free Internet & Mobile Banking
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky
Equal Housing Lender
  • No minimum balance
  • No monthly fee
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

3 services and a minimum aggregate balance of $40,000 required to qualify

  • No minimum balance
  • No monthly fee
  • Dividend earning
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free Official/Certified Checks
  • Free stop payments
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky
  • No minimum balance
  • No monthly fee
  • Unlimited check writing
  • Free debit card
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky
  • $2000 minimum balance
  • If balance drops below $2000, $10 per month
  • Dividends still paid if balance drops below $2000
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free Official/Certified Checks
  • Free internet & mobile banking
  • Free Mobile Deposit
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

Our Student Checking Account, for students age 16-24, offers everything you need to start your financial journey off right.

  • No monthly fee
  • No minimum balance
  • Free Instant Issue debit card
  • Free Internet & Mobile Banking
  • Free Mobile Deposit
  • Free Digital Wallet with Apple Pay & Android Pay
  • Free BillPay
  • Free Money Management
    (Personal Online Budgeting Tool)
  • Free Debit Card Alerts & Controls
  • Free Official Checks
  • Free Smart Banking Consultation
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky

Our Military & First Responder Checking is a way for us to say Thank You! We have packaged together the best features for this checking account, as well as created unique military and patriotic debit card designs to choose from.

  • Active duty, Veterans and First Responders, (Police, Fire, EMS, & EMD) may take advantage of this checking account
  • Must have valid ID
  • No minimum balance
  • No monthly fee
  • Dividend earning
  • Free checks (basic style)
  • Unlimited check writing
  • Free debit card
  • Free official/certified checks
  • Free stop payments
  • Free internet & mobile banking
  • Free automated telephone access (DAISY)
  • Free unlimited access at all L&N ATMs & over 300 no-surcharge ATMs throughout Kentucky
Equal Housing Lender
Equal Housing Lender
Equal Housing Lender
Equal Housing Lender