Checking Accounts - Langley Federal Credit Union

Compare our Accounts At a Glance

	MyDesign Checking	Free Checking	Essential Checking	Platinum Checking	Spend Card
	Strongest Option
Monthly Fee	$0¹	$0	$5²	$0	$0
Eligible for Overdraft Protection					N/A
Earning Opportunities
Customization Options
Eligible for Smooth Switch Line of Credit

Monthly Fee	$0¹
Eligible for Overdraft Protection
Earning Opportunities
Customization Options
Eligible for Smooth Switch Line of Credit

Monthly Fee	$0
Eligible for Overdraft Protection
Earning Opportunities
Customization Options
Eligible for Smooth Switch Line of Credit

Monthly Fee	$5²
Eligible for Overdraft Protection
Earning Opportunities
Customization Options
Eligible for Smooth Switch Line of Credit

Monthly Fee	$0
Eligible for Overdraft Protection
Earning Opportunities
Customization Options
Eligible for Smooth Switch Line of Credit

Monthly Fee	$0
Eligible for Overdraft Protection	N/A
Earning Opportunities
Customization Options
Eligible for Smooth Switch Line of Credit

Digital Banking

Bank on your schedule with 24/7 access to your accounts through Langley’s mobile app and online banking.

Card Controls

Take charge with real-time card controls that let you turn your card on or off, set limits, and stay secure.

Account Alerts

Stay a step ahead with customizable alerts that keep you informed about balances, deposits, and more.

Smooth Switch Line of Credit

Easily switch your Direct Deposit. With a Smooth Switch line of credit, switch your direct deposit with no down time in your bills. Only available in branch.

$2,500 Line of Credit

18% Fixed Rate APR³

No Interest for 60 Days

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Find the Checking Account That Fits You.

Whether you're looking for zero fees, premium benefits, or a fresh start, Langley has a checking solution built for you. Compare our checking accounts and choose the one that suits your lifestyle best.

MyDesign Checking

Break free from generic banking.

Best For: Account personalization

Our most rewarding and flexible checking account, designed by you. Take control and customize your rewards and benefits for free, or go All-In and get one of the most powerful checking accounts in the nation.

Customize your features with rewards, savings, and card control options tailored to your needs.
Enjoy waived out of network ATM fees and waived check ordering fees, so you keep more of your money.
Go All-In and receive all of the benefits at once in a super-charged checking option for only $9.95/month.

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Free Checking

Our simplest checking option. No strings attached.

Best For: Everyday spending

The Free Checking option provides you a great place to store and spend your money. No hoops. No hassle. Just free, everyday banking that works for you.

No minimum balance and no monthly fees—simple, straightforward, and stress-free.
Get paid up to 3 days early with direct deposit for quicker access to your money.

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Essential Checking

Everyone Deserves Access to Great Banking

Best For: Rebuilding financial health

A fresh start for members who need a second chance at banking. Affordable and accessible while helping rebuild your financial standing. Get started in-branch today.

Low $5 monthly service fee, waived with usage of Digital Banking app or debit card activity.
Free access to budgeting and financial tools to stay on track with your goals.

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Platinum Checking

Keep more, pay less. Earn 2x the national average.

Best For: Higher balances

Ideal for higher balances with added protection and financial flexibility.

Earn monthly dividends at a rate of 0.75% APY ¹ on balances of $10,000 or more.
Free overdraft transfers from linked Langley accounts.

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Spend Card

A perfect launch pad for new adults.

Best For: Parents or budgeters

A reloadable prepaid debit card for controlled spending. Perfect for budgeting or helping teens manage money.

Access to transaction limits and monthly limits with card controls in Digital Banking
Card is automatically declined for transactions that exceed your balance

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Checking

Smart choices. Simple banking. Let's get you started.

Compare our Accounts At a Glance

Digital Banking

Card Controls

Account Alerts

Introducing

Smooth Switch Line of Credit

Find the Checking Account That Fits You.

MyDesign Checking

Break free from generic banking.

Best For: Account personalization

Free Checking

Our simplest checking option. No strings attached.

Best For: Everyday spending

Essential Checking

Everyone Deserves Access to Great Banking

Best For: Rebuilding financial health

Platinum Checking

Keep more, pay less. Earn 2x the national average.

Best For: Higher balances

Spend Card

A perfect launch pad for new adults.

Best For: Parents or budgeters

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