The 5th Street lobby is closed until Monday, Sept. 27, due to staffing shortage.
The drive thru is still open during normal hours. The ITM/ATM is open 24 hours.

Basic Checking

THE BEST CHECKING IN TEXAS

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

 


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 a 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.

Checking
Dividend RateAPY*Minimum Balance
Basic Checking0.10%0.100%N/A
*Annual Percentage Yield
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