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Lighthouse Checking

Lighthouse Checking

Big checking benefits without the fees. Get paid early,1 deposit checks online,2 and stay connected everywhere

Open Online

Everyday banking, guided by Lighthouse

Lighthouse Checking removes the stress from banking. Get paid early,1 manage your accounts at home or on the go, deposit checks online,2 and utilize a nationwide network of shared branches and surcharge-free ATMs. Did we mention there are no monthly maintenance fees or minimum balance requirements?

Open Online
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Get paid up to two days early with direct deposit1

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Deposit checks online with the Lighthouse Mobile App2

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Qualify for loan discounts3

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Use your debit card with Apple Pay® or Google Pay™

Bank without the Fees

No minimum balance and zero maintenance fees

Enjoy a hassle-free checking experience. No minimum balance requirement or monthly service fees.

Because who really likes to wait for payday?
Enroll in direct deposit and we’ll post your deposit as soon as we receive your payroll information – often one or two days before your scheduled payday.1

Get paid early

Set up direct deposit to your Lighthouse Checking

Nationwide Access

Over 30,000 ATMs + 5,900 shared branches

You’ve got access to ATMs and shared branches wherever you are with 30,000 surcharge-free ATMs and 5,900 shared branches nationwide. Search for locations near you.

Save on Everyday Spending with Benefits Plus

Discounts on everyday items like shopping, travel, and more!*

Learn More

*There is a fee associated with adding the Benefits Plus® savings program to your checking account. Please refer to our Schedule of Fees for details. Members must have a Lighthouse Credit Union checking account to take advantage of this service. Some discount restrictions may apply. Visit the Benefits Plus website for more information.

Lighthouse Checking FAQs

There are no monthly maintenance fees or minimum balance requirements on a Lighthouse Checking account. Standard fees apply for services such as wire transfers or stop payment requests. See our Fee Schedule for full details.

Set up direct deposit of your paycheck or benefits into your Lighthouse Checking account. We’ll post your deposit as soon as we receive the information from your payroll company, often up to two days before your official pay date.1

Accidents happen, and that’s why there’s Overdraft Protection. Link another Lighthouse account and if a transaction posts that exceeds your available checking balance, funds from your designated Lighthouse account will be used to cover the transaction. Contact us or visit a branch to set up Overdraft Protection.4

  1. Direct deposit of your payroll, retirement, or pension may be posted to your account up to two days prior to your scheduled pay date. Deposit date is based on when we receive your payroll information. Lighthouse Credit Union does not assume any liability for funds not being deposited early.
  2. Mobile check deposit is only available to members over 16 years old. Deposits are subject to our discretion. Standard Funds Availability policy applies. Please see the Mobile Deposit Disclosure and Agreement for details.
  3. Loan discounts do not apply to credit cards, first mortgages, Interest-only HELOCs, CULA Leases, Electric Energy Efficiency, Share and Certificate secured, Commercial, ADU Home Renovation, and Impact loans. A 0.10% discount will be applied to an eligible loan for each of the following qualifying three (3) factors: 1) Maintaining an open consumer checking account with a positive balance at least every thirty (30) days; 2) Maintaining an automatic payment established on the loan originating from a Lighthouse Credit Union account. Automatic payment must be established by contacting Lighthouse Credit Union; transfers set up in online or digital banking do not qualify; 3) Maintaining an active consumer credit card product. Active is defined as having transaction activity within the last ninety (90) days. If all qualifying factors are met, a total discount of up to 0.30% will be applied to the member’s base rate. Must request loan discount within ninety (90) days of the loan closing date. Discount conditions will be set forth in the Loan Discount Addendum.
  4. If you elect to have Overdraft Protection, we will transfer funds from your designated Lighthouse Credit Union account to cover overdrafts from your checking account. A transfer fee will apply, please refer to our Schedule of Fees for details.