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Lighthouse Checking—built for students, too

Simplify money management with no monthly fees, smart tools, and added perks—like eligibility for the Lighthouse Scholarship Program1.

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Learn about scholarships
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Meet Lighthouse Checking

Free, no-stress checking with the tools to bank your way

Enjoy no monthly fees, no minimums, and a Visa® debit card—plus built-in features designed to support student life.

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Get paid early

Set up direct deposit and access your paycheck up to two days early.3

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Access anywhere

Use 30,000+ surcharge-free ATMs and 5,900 shared branches nationwide.

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Stay in the know

Check your balance, transfer funds, and manage your account with our mobile app.4

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Spend conveniently with Visa® Debit

Tap, chip, and swipe with a Visa® Debit Card that comes with fraud protection and zero liability5.

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Tools that move at your pace

Track spending, set goals, and manage your money with ease using free tools inside the Lighthouse mobile app4.

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Start building smart habits

Get budgeting tips and saving strategies designed to help students stay on track—with Enrich®, our free financial wellness platform.

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Save on everyday spending

Get discounts on everyday items like shopping, dining, travel, and more with Benefits Plus®. Get exclusive discounts on shopping, dining, travel, and more with Benefits Plus®—just one more way Lighthouse Checking works for students.6

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  1. Scholarships offered to a limited number of recipients through the Lighthouse Credit Union Foundation. All scholarships subject to certain application and eligibility criteria. For more information, please visit lighthousecufoundation.org/scholarships.
  2. Online applications limited to members 18+. Members 14–17 must apply in-branch or call us and require a parent/guardian joint owner. Must be a member of Lighthouse Credit Union with at least $5 in a Lighthouse Savings Account.
  3. Direct deposit of your payroll, retirement, or pension may be posted to your account 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.
  4. Digital and mobile banking available to members age 16 and older. Mobile check deposits subject to review. Please see Mobile Deposit Disclaimer and Agreement for details.
  5. Visa’s Zero Liability policy covers U.S -issued cards and does not apply to certain commercial card and anonymous prepaid card transactions not processed by Visa. Cardholders must use care in protecting their card and promptly notify their financial institution of any unauthorized use. Contact us for more details.
  6. There is a fee associated with adding the Benefits Plus® savings program to your checking account. Please refer to our schedule of fees. Members must have an Lighthouse Credit Union Checking Account to take advantage of this service. Some discount restrictions may apply.