With your L.C.E. Federal Checking account you will receive a starter pack of checks FREE.  We have no minimum balance requirement on the checking account and have unlimited check writing.  Dividends are not paid on checking accounts. 

Click here to re-order checks and view check styles

Members under the age of 18 and over age 65 qualify for up to two free boxes of new checks within a year period.

With FREE Online Banking and Bill Pay available, managing your checking account has never been easier.

Once you’ve opened your checking account, apply for The Master Card/Debit Card. It is an easy alternative to using your checkbook and a great way of accessing your funds quickly.  Click here to apply.

Debit Card Notice of Change

Overdraft protection loans are available up to $200 upon credit approval.  Click here to apply.  If you overdraft your account and do not have overdraft protection available, we will transfer the funds (if they are available) from your savings account to your checking account to cover the overdraft, but you will be responsible for the $28.00 insufficient funds fee.

Courtesy Pay Overdraft Protection

Most of us have found ourselves facing an occasional cash shortfall, be it the result of a checkbook error or an unexpected bill. If you have ever accidentally bounced a check, you already know that in addition to the embarrassment, you may also face merchant fees for the returned check along with the inconvenience of returning to the merchant to correct the error. And while a declined debit card does not create merchant fees, it can be an embarrassing experience.

L.C.E. Federal Credit Union understands, which is why we offer Courtesy Pay. Courtesy Pay is a non-contractual overdraft protection service that requires no action on your part to enroll. There are no fees to have Courtesy Pay available on your share draft account. You only pay our standard NSF fee of $28 if you use Courtesy Pay to cover an insufficient item. With Courtesy Pay, instead of your check being returned or your debit card purchase being declined, we may pay or approve those items up to your overdraft limit of $500. Click here for more details about Courtesy Pay.

Courtesy Pay is automatically available to our share draft checking account holders for checks, automatic bill payments and other debit transactions. If you would like to have overdraft protection through Courtesy Pay for your ATM withdrawals and everyday debit card purchases, simply ask us to add Courtesy Pay protection for these types of transactions. Please call the Credit Union at 440-357-2560 or email us at This email address is being protected from spambots. You need JavaScript enabled to view it. to Opt-In.

Courtesy Pay is one more way we can help you meet your unexpected financial needs.

Call or visit either of our locations to open your checking account.  Click here to open and print our checking disclosure.  You must first have a savings account with the credit union in order to open a checking account.  If you do not, click here to fill out our application .

For those who have a ChexSystems record, we also offer Checkless Checking accounts.Click here for more information and to fill out an application. 

Credit unions, like other financial institutions, are closely regulated and operate in a very prudent manner. The National Credit Union Share Insurance Fund (NCUSIF), administered by the National Credit Union Administration, an agency of the federal government, insures deposits of credit union members at more than 9,000 federal and state-chartered credit unions nationwide. Deposits are insured up to $250,000. 

Click here to be directed to the MoneyEd website, where you can take financial education courses.