All Kelly Community locations will be closed Wednesday, June 19th, in observance of Juneteenth. Our digital services are always open.
“Struggle is a never-ending process. Freedom is never really won. You earn it and win it in every generation.” – Coretta Scott King

Elite Checking


Local and reliable – with the very best benefits.

Why settle for less? This checking account comes with dividends, MasterCard® debit cards, and no monthly fees.

You can withdraw regularly via checks or a debit card.

Learn more about your Kelly Community MasterCard® debit card benefits:

KCFCU MasterCard Debit Card Benefits Guide

Use our CardControl® app to:

  • Turn cards on and off
  • Restrict purchases to specific geographic areas
  • Limit card use to specific merchants or purchases
  • Receive alerts when your card has been used


I have been with KCFCU since the early 1990’s. Their staff is very courteous and helpful and if they can’t answer a question they do their best to find it by referring to their supervisor or fellow employee.
Google Review

Why choose Kelly Community?

Before you can open a checking account, you’ll need to become a Kelly Community member by opening a savings account with us. Don’t worry—you can sign up for both accounts at once. You can even do it online!

Why join Kelly Community? Because we treat you better. From fantastic member service to the best benefits around, when you bank with us you are part of the Kelly Community family. Here’s how:

Earn dividends.
Unlike most checking accounts, we let you earn dividends. They’re calculated daily and paid on a monthly basis on accounts with a minimum balance of $100.

Get extra protection.
After 60 days of membership, Kelly Community members don’t have to pay returned check fees thanks to Overdraft Courtesy. This means if you have overdraft protection from other member accounts, Kelly Community will implement Overdraft Courtesy at the current published overdraft fee when your overdraft options are exhausted.

Spend freely with a MasterCard® Debit Card.
Members who open an elite checking account can also apply for a debit card. Use it anywhere MasterCard® is accepted, even online and for mail orders. With your new debit card, you also get free worldwide ATM access at any ATM bearing the MoneyPass or Pulse logos. Need a replacement debit card? No worries, we can do an instant issue in our branch lobbies. Just stop by.

 Use your debit card like a credit card.
If you’re eligible, you’ll also have the option to use your debit card as a credit card on specific transactions. This offers you a greater level of security, but still lets you draw the money directly from your checking account.

 Say goodbye to maintenance and transaction fees.
We never charge monthly maintenance fees or purchase transaction fees. There is no minimum balance to keep your account open, but we do require a minimum balance to earn dividends

Great credit union. Great low rates.

Dividend Rate APY* Minimum Balance
Elite Checking 0.10% 0.100% N/A
*Annual Percentage Yield
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