Checking Accounts

You can apply for a Checking Account online, by phone, or in person at any branch. Logix membership is required.

The monthly service fees vary depending on the type of account you open. Click here to learn more.

Minimum opening deposits vary for each checking account. There are minimum balance requirements to avoid monthly service charges. Click here to compare checking accounts.

The top features of the checking accounts include free online and mobile banking, early payday with Direct Deposit*, free eDeposit, and access to 30,000 fee-free CO-OP ATMs.

We process Direct Deposits as soon as we get notification from your employer, so when you ask them to set up your pay as a Direct Deposit to your Logix account those funds could be available up to two days earlier than your standard payday date, depending on your employer.

An overdraft occurs when you do not have enough money in the available balance in your account to cover a transaction at the time it is presented for payment, but Logix Federal Credit Union pays it anyway. We can cover your overdrafts in two different ways:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection transfer plans, such as a transfer from your savings, which may be less expensive than our standard overdraft practices.

Click here for all the details.

We do authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices, no Courtesy Pay Fee is charged if your available balance overdraft is $5.00 or less. The following tiered fees apply if your available balance overdraft is more than $5.00:

• No Charge for any item/transaction of $5.00 or less;
• $10.00 for each item/transaction amount between $5.01 and $15.00; and
• $30.00 for each item/transaction amount over $15.00

The maximum you could be charged per day for Consumer accounts is five (5) overdraft fees totaling up to $150.00 and for Business accounts are ten (10) overdraft fees totaling up to $300.00.

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions here are your options:

• In Person - When applying for membership or at any time, just ask to Opt-In to Courtesy Pay for ATM and everyday debit card transactions and complete and sign our Opt-In Consent form.
• Online - When logged on to Online Banking, go to the Account Services tab, select Courtesy Pay Options to go to the Courtesy Pay page, and click on the Opt-In button, or
• Over the Phone - Call us at (800) 328-5328

If you no longer want us to authorize and pay overdrafts on ATM and everyday debit card transactions:

• In Person - Visit us at any one of our branches.
• Online - When logged on to Online Banking, go to the Account Services tab, select Courtesy Pay Options to go to the Courtesy Pay page, and click on the Opt-Out button, or
• Over the Phone - Call us at (800) 328-5328