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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InSight Checking

A fresh start, without judgment.

Learn the essentials of opening a new bank account with confidence.

Discover helpful options designed for anyone who’s had challenges in the past and is ready for a fresh start with checking. Build smart habits, navigate common hurdles, and understand how to handle and prevent overdrafts so you can manage your account with ease.

Features:

  • Free VISA® Debit Card

  • Online and Mobile Banking

  • $20 monthly fee - waived with a minimum of $50 direct deposit monthly

  • ATM limit of $500

  • Debit card POS limit of $100

  • CheckRight Workshop with GreenPath - recommended but not required

Best For: Members who had challenges with checking before.

A $20.00 monthly maintenance fee will be assessed; however, this fee will be waived each statement cycle with a minimum of $50.00 in direct deposits. Transaction limits may apply. Please refer to the full account agreement and fee schedule for additional terms and conditions. Membership eligibility required. Alcon Employees FCU is federally insured by the National Credit Union Administration.

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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.