We're the right choice
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, we make banking with us worth your while. Here's how:
After 60 days, you’ll be eligible for Overdraft Courtesy. If you have overdraft protection from other member accounts, KCFCU will implement Overdraft Courtesy at the current published overdraft fee when your overdraft options are exhausted. This member perk allows you to avoid having your checks returned to a merchant unpaid, saving you money by avoiding returned check fees.
A MasterCard® Debit Card.
Member-owners who open a checking account can also apply for a debit card. This card is the ultimate convenience tool because it virtually replaces your checkbook. It works just like a MasterCard® credit card except transactions are deducted from your checking account. Use it anywhere MasterCard® is accepted, even on the internet and for mail orders. With your new debit card, you also get free worldwide ATM access at any ATM bearing the MoneyPass
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 of using 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.
No maintenance or 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.
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.