Why a Lighthouse Checking Account is Right For You
In today’s fast-paced world, achieving financial wellness isn’t just a goal – it’s essential. You deserve to feel confident, secure, and in control of your finances. At Lighthouse Credit Union, we believe the best checking account should do more than hold your money—it should actively support your financial journey. Our member-first approach and checking options are designed to help you bank smarter, stress less, and grow your financial confidence.
Lower Fees for Everyday Banking
Say goodbye to unnecessary fees! Our Lighthouse Checking account comes with no monthly maintenance fees and no minimum balance requirements, giving you more control over your money from day one. Our accounts are built to meet you where you are, whether you’re budgeting monthly expenses or saving for something big.
Less Stress with Overdraft Protection
An overlooked purchase, surprise expense, or simple math error can easily push your balance below zero. At Lighthouse Credit Union, our Overdraft Protection1 service gives you the flexibility to recover from financial slip-ups without added stress. With Overdraft Protection1, you’ll 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 – it’s peace of mind when you need it most.
Digital Banking Tools
Access your money anytime, anywhere. With our secure digital banking platform, you can easily manage your accounts, pay bills, and transfer funds—whether you’re at home, at work, or on the go. Lighthouse digital banking puts control at your fingertips, helping you stay on top of your financial goals.
Get Paid Sooner with Direct Deposit
With direct deposit, your paycheck can hit your account up to two days earlier2, helping you stay ahead of bills, reduce financial stress, and gain faster access to the money you’ve earned. That extra time can make a big difference when you’re working toward goals like building an emergency fund, paying off debt, or simply staying on budget.
Earn Cash Back with Rewards Checking
Looking for extra benefits? With the Lighthouse Rewards Checking account, you can earn 1% cash back—up to $50 per month—on up to $5,000 in eligible debit card purchases3. Maintain a $2,500 balance, and the $5 monthly fee is waived4, so you keep more of what you earn. You may donate all or a portion of your cash back to the Lighthouse Credit Union Foundation and we’ll match your donation, dollar for dollar!
Start Your Journey towards Financial Wellness
The best checking account is one that works for you – supporting your goals, simplifying your life, and building your confidence. At Lighthouse Credit Union, our checking options are designed to help you thrive financially, no matter where you start. Join Lighthouse Credit Union today and take the first step toward financial wellness with a checking account that’s built for you.
1 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.
2 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.
3 Terms apply. 1% cash back on eligible POS (point-of-sale) and signature-based purchases made with a Lighthouse Rewards Checking debit card. Please see the Lighthouse Rewards Checking Account Guide for complete details and information on limitations and eligibility.
4 A $5 fee is applied to the Rewards Checking account each month. The fee is waived if the account’s average daily balance is at least $2,500.