BANKING

Checking Accounts

Spend more efficiently and save money with our checking accounts — and their plentiful perks. With LA Financial, you get access to various checking account options that help you get the most out of your spending.
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Play Checking Account
Our VIP account for just $10/month
Our most premium account gives you the financial peace of mind you need with the perks you deserve: banking anywhere, identity theft protection, buyer’s protection, roadside assistance, fuel savings, and cell phone protection. It’s also our only checking account that earns you interest on your balance and offers a discount on personal loans.
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Flex Checking Account
Plenty of perks for only $7/month
Get some of the same personal protections and savings offered with our Play checking account — including anywhere banking tools, identity theft protection, and buyer’s protection — for a few dollars less. You’ll also get roadside assistance, cell phone protection, and discounts on many healthcare expenses and national and local shopping.
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Simple Checking Account
FREE with a minimum balance of $100
Our basic (but never average!) checking account comes with the extra value that every LA Financial member enjoys: Anywhere banking tools, identity theft protection, and buyer’s protection and warranties.
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Compare our Checking Accounts

Start your journey
Our Best Account
Play
Only $10/month
For The Deal Seeker
Flex
Only $7/month
Basic Benefits
Simple
Free with minimum balance
Anywhere Banking Tools
Anywhere Banking Tools
Online banking, mobile banking, Bill Pay, debit card and eStatement5.
Buyer's Protection and Extended Warranty
Buyer's Protection and Extended Warranty1,2
Items are protected for up to $2,500 per item if theft or accidental breakage occurs.
during first 180 days of purchase
during first 180 days of purchase
during first 180 days of purchase
ID Theft Aid
ID Theft Aid1,2,3
Includes identity restoration & payment card resolution, personal identity theft benefit, credit monitoring & credit report, credit score & scoretracker, score simulator, and identity monitoring.
$10,000
personal ID theft benefit, identity
restoration, credit/identity monitoring
$5,000
personal ID theft benefit
& identity restoration
$1,000
personal ID theft benefit
Free Checks
Free Checks
First box of 25 checks included at no cost.
Roadside Assistance
Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Health Savings Card
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Cell Phone Protection
Cell Phone Protection1,2
Pay your cell phone bill with your BaZing checking account, and you’re covered.
$600 / claim
$1,200 / year
$400 / claim
$800 / year
Shop Local, Save Local with LA Financial Perks
Shop Local, Save Local with LA Financial Perks
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.
Personal Loan Offer
Personal Loan Offer
Get 1% APR* discount off fixed-rate, unsecured personal loans with auto pay.**
BaZing Fuel
BaZing Fuel4
Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.
Billshark
Billshark3
Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
Great Interest on Your Checking Balance
Great Interest on Your Checking Balance
Our best checking rate.
Start your journey
Our Best Account
VIP
Play
Anywhere Banking Tools
Anywhere Banking Tools
Online banking, mobile banking, Bill Pay, debit card and eStatement5.
Buyer's Protection and Extended Warranty
Buyer's Protection and Extended Warranty1,2
Items are protected for up to $2,500 per item if theft or accidental breakage occurs.
during first 180 days of purchase
ID Theft Aid
ID Theft Aid1,2,3
Includes identity restoration & payment card resolution, personal identity theft benefit, credit monitoring & credit report, credit score & scoretracker, score simulator, and identity monitoring.
$10,000
personal ID theft benefit, identity
restoration, credit/identity monitoring
Free Checks
Free Checks
First box of 25 checks included at no cost.
Roadside Assistance
Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Health Savings Card
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Cell Phone Protection
Cell Phone Protection1,2
Pay your cell phone bill with your BaZing checking account, and you’re covered.
$600 / claim
$1,200 / year
Shop Local, Save Local with LA Financial Perks
Shop Local, Save Local with LA Financial Perks
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.
Personal Loan Offer
Personal Loan Offer
Get 1% APR* discount off fixed-rate, unsecured personal loans with auto pay.**
BaZing Fuel
BaZing Fuel4
Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.
Billshark
Billshark3
Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
Great Interest on Your Checking Balance
Great Interest on Your Checking Balance
Our best checking rate.
Start your journey
Q
Do you have a cell phone or look for deals when you shop?
Flex
Anywhere Banking Tools
Anywhere Banking Tools
Online banking, mobile banking, Bill Pay, debit card and eStatement5.
Buyer's Protection and Extended Warranty
Buyer's Protection and Extended Warranty1,2
Items are protected for up to $2,500 per item if theft or accidental breakage occurs.
during first 180 days of purchase
ID Theft Aid
ID Theft Aid1,2,3
Includes identity restoration & payment card resolution, personal identity theft benefit, credit monitoring & credit report, credit score & scoretracker, score simulator, and identity monitoring.
$5,000
personal ID theft benefit
& identity restoration
Free Checks
Free Checks
First box of 25 checks included at no cost.
Roadside Assistance
Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Health Savings Card
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Cell Phone Protection
Cell Phone Protection1,2
Pay your cell phone bill with your BaZing checking account, and you’re covered.
$400 / claim
$800 / year
Shop Local, Save Local with LA Financial Perks
Shop Local, Save Local with LA Financial Perks
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.
Personal Loan Offer
Personal Loan Offer
Get 1% APR* discount off fixed-rate, unsecured personal loans with auto pay.**
BaZing Fuel
BaZing Fuel4
Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.
Billshark
Billshark3
Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
Great Interest on Your Checking Balance
Great Interest on Your Checking Balance
Our best checking rate.
Start your journey
Q
Do you want a low cost account with basic benefits?
Simple
Anywhere Banking Tools
Anywhere Banking Tools
Online banking, mobile banking, Bill Pay, debit card and eStatement5.
Buyer's Protection and Extended Warranty
Buyer's Protection and Extended Warranty1,2
Items are protected for up to $2,500 per item if theft or accidental breakage occurs.
during first 180 days of purchase
ID Theft Aid
ID Theft Aid1,2,3
Includes identity restoration & payment card resolution, personal identity theft benefit, credit monitoring & credit report, credit score & scoretracker, score simulator, and identity monitoring.
$1,000
personal ID theft benefit
Free Checks
Free Checks
First box of 25 checks included at no cost.
Roadside Assistance
Roadside Assistance
Available 24/7 and free to use, up to $80 in covered service charges.
Health Savings Card
Health Savings Card
Save money on prescriptions, eye exams, frames, lenses and hearing services.
Cell Phone Protection
Cell Phone Protection1,2
Pay your cell phone bill with your BaZing checking account, and you’re covered.
Shop Local, Save Local with LA Financial Perks
Shop Local, Save Local with LA Financial Perks
Local discounts and national retailer deals to save you money on shopping, dining, travel & more.
Personal Loan Offer
Personal Loan Offer
Get 1% APR* discount off fixed-rate, unsecured personal loans with auto pay.**
BaZing Fuel
BaZing Fuel4
Earn 10¢/gal for up to 20 gallons each month with just 15 debit card swipes.
Billshark
Billshark3
Let our team of experts negotiate your internet, TV, cell phone, and home security services on your behalf, or cancel subscriptions you no longer want or need.
Great Interest on Your Checking Balance
Great Interest on Your Checking Balance
Our best checking rate.
1 Subject to the terms and conditions detailed in the Guide to Benefits. Minimum $25 to open account. 2 Insurance products are: NOT A DEPOSIT. NOT FEDERALLY INSURED. NOT AN OBLIGATION OR GUARANTEED BY THE CREDIT UNION, ITS AFFILIATES, OR ANY GOVERNMENT AGENCY. 3 Billshark, identity monitoring, and credit monitoring each require additional activation to begin. 4 You’ll receive a one-time activation reward of $0.10 per gallon when you activate BaZing Fuel. You’ll earn a monthly reward of $0.10 per gallon each month when you have 15 eligible debit card transactions post and settle during the Monthly Qualification Cycle (MQC), which is defined as the first day of the month through the last day of the month. Only transactions posted during the MQC will count towards the monthly reward for that MQC. The following activities do not count toward earning BaZing Fuel: ATM withdrawals, transfers between accounts, deposit or refund transactions. Transactions posted during the MQC greater than the monthly reward requirement will be stored to count towards a bonus reward of $0.10 per gallon. When you have 50 stored bonus transactions you will earn the bonus reward. You will continue to earn bonus rewards for every 50 stored bonus transactions accrued. If the required monthly reward transaction count is not met during the MQC, no transactions are counted for any reward during that MQC or the bonus reward. BaZing Fuel is limited to 20 gallons of fuel per purchase, per vehicle, or fraud limits placed by Shell and/or limits placed on your payment card by your financial institution, each of which may be lower. To activate, you will need to have online banking with your financial institution. Refer to the BaZing Fuel Terms and Conditions for full disclosures. BaZing Fuel offer may be changed at any time and without notice. Once you begin to dispense fuel using your BaZing Fuel, you must dispense to the 20-gallon limit or you forfeit any remaining rewards for the other gallons. 5 Paper statements incur a $3 fee. *All rates are quoted on approved credit as Annual Percentage Rates (APRs). ** Lines of Credit excluded. Offer only eligible on fixed rate, unsecured closed-end personal loans when you enroll in automatic payments. Some restrictions may apply. Loan approval subject to credit and income evaluation. Consumer loan rates may vary depending on credit profile, term, and the amount financed. Rates and terms are subject to change without notice.