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Personal Checking Accounts

Enjoy great rates, low or no fees, and easy access to your money

Open a checking account

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

  • Best for members who:

    Best for members who:

  • Minimum opening deposit

    Minimum opening deposit

  • Dividends

    Dividends

  • Minimum balance

    Minimum balance

  • Monthly service charge

    Monthly service charge

  • Open a checking account

Fee Free Checking

  • Best for members who:

    Want the simplest way to manage money, with no minimum balance.

  • Minimum opening deposit

    $5.00

  • Dividends

    N/A

  • Minimum balance

    None

  • Monthly service charge

    None

  • Open a checking account

Premier Checking

  • Best for members who:

    Want to earn dividends for maintaining a higher daily balance.

  • Minimum opening deposit

    $25.00

  • Dividends

    0.05% APY4 compounded and credited monthly

  • Minimum balance

    $1,000 daily balance (to avoid monthly service charge)

  • Monthly service charge

    $10.00 (if minimum balance is not met)

  • Open a checking account

Senior Premier Checking

  • Best for members who:

    65 and over.

  • Minimum opening deposit

    $25.00

  • Dividends

    0.05% APY4 compounded and credited monthly

  • Minimum balance

    None

  • Monthly service charge

    None

  • Open a checking account

Great features that are secure and easy to use

  • 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

  • Deposit Anywhere

    Safely, easily, and securely deposit your checks, from your mobile app with Deposit Anywhere.

  • Online and Mobile Banking

    Easy access to your account, wherever you are, with online and mobile banking.

  • Bill Pay

    Pay bills conveniently, set up recurring payments, and eliminate paper waste, with Bill Pay.1

  • Early ACH Credits

    Receive ACH credits, including Direct Deposits, up to one (1) business day early, for when you need them the most.

  • Overdraft Line of Credit

    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 your maximum approved limit.

  • 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!

  • Member Perks

    Beyond the great rates and convenient features, our members receive travel, security, retail, entertainment, dining, and cashback perks.

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…

Roy W.

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

  • In 2020, we raised,
    $80k

    for more than 105 local charities through our We Share a Common Thread virtual fundraiser.

  • In 2020, we offered
    $17k

    in scholarships to 21 students, through our MoneyStrong and Employee scholarships.

  • We donate
    $1,500

    every quarter to local non-profits, through our Give a Click program.

Ready to change your financial future?

Open a checking account online
Apply online
Come swing by
Find a location near you
Call or email
Get in touch today

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, Passbook Savings, Senior Statement Savings, Senior Passbook 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.