Smart Checking

Free and Loaded with Benefits

Learn more about Spend 'n' Save

Getting a free checking account is one of the best steps to get on the right foot financially!

Free checking is easy to offer, but Langley goes one step further and offers qualifying members early paycheck deposit… up to three days early! Added to that, all Langley Smart Checking accounts include a free Debit Card, free Mobile Banking, free online bill pay, and free eStatements.

When we say free, we mean it. With Langley's Smart Checking there is NO Minimum Balance and NO Monthly Service Charge.


Get a Smart Checking Account Now


Control Your Debit Card with Ease

In Online Banking and Langley’s Mobile app, you can control your card, including:

  1. Lock or unlock your card if it is lost or stolen
  2. Set alerts and controls on transactions or card balance
  3. Set-up travel notices when you go on vacation

We place everything you need to safeguard your debit card in one app. Enroll in Online Banking or download Langley’s Mobile app now!


Earn Cash Back with a Langley Checking Account

Earn 10% interest rebate on your Langley loan if you make timely, self-directed payments[1] from this account. Members have saved upwards of $180+ annually.

Access 55,000+ ATMs

Langley FCU is part of the Allpoint network. Allpoint is a worldwide, surcharge-free ATM network with over 55,000 ATMs.

Find An ATM

Early Payday Deposit

Members who have a Langley checking account and Direct Deposit may see their paycheck deposited up to three days earlier than other financial institutions!

[1] Langley's interest rebate program is applied to auto, boat, personal, recreational vehicle loans and personal lines of credit opened on or after April 1, 2018. Self-directed payments include automatic transfers set up in-branch or in Online Banking and payments you transferred from your Langley checking account through Online Banking. A qualifying Langley checking account requires it to be your primary checking account, which is the account you deposit your net pay and the checking you use to manage your expenses and pay your bills. Cannot be combined with any other offers. Limited time offer.