A couple sitting on a gray couch, smiling and looking at a smartphone. The woman is hugging the man from behind. A white table in front of them has two mugs, a remote, and a notebook. There is a potted plant on a small white table in the background.

Checking Accounts

Banking that fits your life — wherever it takes you.

Our Checking Accounts give you easy, reliable access to your money every day. Choose the account that fits your lifestyle — from simple, no-fuss options to accounts that reward your spending. Every account includes free digital tools, a VISA® Debit Card, and friendly support from your credit union. Banking is easy, local, and built around you.

Already a Member? Contact us today to open a checking account!

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Standard Checking

Simple, everyday banking made for your routine.

Standard Checking gives you quick access to your money and all the tools you need to manage daily life.

Features:

  • Free VISA® Debit Card

  • Online and Mobile Banking

  • Optional Overdraft Protection

  • $25 minimum to open

  • Maintain a $250 minimum monthly balance to avoid a $5 fee

  • Easy access to your funds for everyday purchases

Best For: Members who want a dependable, no-stress account they can use every day.

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Rewards Checking

Earn more from your everyday spending.

Rewards Checking gives you cash back each month when you use your debit card and meet simple requirements. It’s designed to help you get more value from purchases you already make.

Features:

  • No ATM Fees – up to $10 back monthly

  • $0 Monthly Maintenance fees; open with just $25

  • Requirements: $500 minimum direct deposit, eStatements, online banking and debit card usage.

To qualify each month:

  • At least $500 in direct deposit

  • Enrollment in e-statements

  • Active online banking

  • Regular debit card usage

Best For: Members who want to earn cash back and save on ATM fees.

*3% cash back applies to 10 debit card purchases of $10 or more up to $200.

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Teen Checking

Teen Checking helps young members (ages 14+) build smart financial habits with adult support.

Features

  • Ages 14–17 require a joint adult account owner

  • No minimum balance and no monthly fee

  • No direct deposit required

  • Free VISA® Debit Card

  • Apple Pay, Samsung Pay, and Google Pay

  • Online and mobile banking

Best For: Teens ready to start managing their own money with safe limits and helpful guidance.

Why Choose Alcon Employees FCU?

  • Friendly, personal service you can trust

  • Local decisions and fast support

  • Secure digital tools that fit your life

  • Member-owned and not-for-profit

Proudly serving Alcon employees, contractors, and their families.