Personal Checking Accounts
Enjoy great rates, low or no fees, and easy access to your money
It’s more than an account; it’s your hard-earned money
We give you the tools you need to move confidently toward your financial goals.
Your Checking Account Options
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Best for members who:
Best for members who:
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Minimum opening deposit
Minimum opening deposit
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Dividends
Dividends
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Minimum balance
Minimum balance
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Monthly service charge
Monthly service charge
- Open a checking account
Fee Free Checking
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Best for members who:
Want the simplest way to manage money, with no minimum balance.
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Minimum opening deposit
$5.00
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Dividends
N/A
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Minimum balance
None
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Monthly service charge
None
- Open a checking account
Premier Checking
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Best for members who:
Want to earn dividends for maintaining a higher daily balance.
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Minimum opening deposit
$25.00
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Dividends
0.05% APY4 compounded and credited monthly
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Minimum balance
$1,000 daily balance (to avoid monthly service charge)
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Monthly service charge
$10.00 (if minimum balance is not met)
- Open a checking account
StartStrong Checking
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Best for members who:
Ages 13-18
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Minimum opening deposit
$5.00
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Dividends
N/A
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Minimum balance
None
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Monthly service charge
None
- Open a checking account
Senior Premier Checking
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Best for members who:
65 and over.
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Minimum opening deposit
$25.00
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Dividends
0.05% APY4 compounded and credited monthly
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Minimum balance
None
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Monthly service charge
None
- Open a checking account
Great features that are secure and easy to use
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Visa Debit Card
Instantly issued at account opening, with unlimited fee-free usage at Jeanne D’Arc, and eight free monthly withdrawals at all non-Jeanne D’Arc ATMs.3
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Deposit Anywhere
Safely, easily, and securely deposit your checks, from your mobile app with Deposit Anywhere.
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Online and Mobile Banking
Easy access to your account, wherever you are, with online and mobile banking.
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Bill Pay
Pay bills conveniently, set up recurring payments, and eliminate paper waste, with Bill Pay.1
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Early ACH Credits
Receive ACH credits, including Direct Deposits, up to one (1) business day early, for when you need them the most.
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Overdraft Protection
We help you avoid insufficient funds fees, so if you make a purchase without the money to cover it, we take care of the overdraft(s) up to $500. You can also choose your Savings as an Overdraft Protection Source or apply for an Overdraft Line of Credit.
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First Checks Free
We’re always looking for ways to look out for you. That’s why your first round of standard service checks are on us!
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Member Perks
Beyond the great rates and convenient features, our members receive travel, security, retail, entertainment, dining, and cashback perks.
Roy W.For my banking needs this place (bank) is the best…and it has saved me a lot with their fraud alerts on my [debit] card…
Checking FAQs
Anyone who is eligible for membership at Jeanne D’Arc Credit Union may open an account. See if you are eligible today.
While Premier Checking accounts allow you to earn dividends on higher balances, Fee Free Checking accounts do not.
Yes, upon opening your account, your first box of checks are free.
You can order checks by logging into Online Banking or our Mobile Banking App and clicking on Check Services widget. From there, click on the tab Reorder Checks.
Or you can visit one of our branches and speak with a Member Service Representative who can order them for you.
Overdraft protection helps you avoid penalties from insufficient funds in your account.
We have three options to help you with overdraft protection on your checking account(s):
- Savings Account – overdraft protection source
- Overdraft Line of Credit
- Extended Overdraft Protection
You can monitor your transactions, transfer funds, make deposits, view eDocuments and more through Online & Mobile banking.
Banking with us makes an impact
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In 2020, we raised,$80k
for more than 105 local charities through our We Share a Common Thread virtual fundraiser.
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In 2020, we offered$17k
in scholarships to 21 students, through our MoneyStrong and Employee scholarships.
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We donate$1,500
every quarter to local non-profits, through our Give a Click program.
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Ready to change your financial future?
Disclosures
1Online Bill Pay is a free service. However, for an electronic expedited payment, the fee is $7.50. Overnight check expedited payment is also available for $25.00.
2For business members, Members Perks is free with a Build Checking or BuildStrong Checking Account, and is $5.99 per month with a Community Checking account. For individuals, Member Perks is free for the first 90 days and then $5.99 per month, beginning on the first of the month after the 90-day free trial period has ended. Eligible consumer accounts include Fee Free Checking, Premier Checking, Senior Fee Free Checking, Senior Premier Checking, Statement Savings, Senior Statement Savings, and Money Market Savings.
3Fee is $1.50 per ATM transaction after free withdrawal limits are exceeded.
4APY=Annual Percentage Yield. All rates are subject to change, after account opening, without notice. Fees could reduce earnings on the account. There is no minimum balance required to obtain the disclosed APY.