Call: (800) 622-3328 or (818) 846-1710   Routing Number: 322274116

Checking & Debit

Better Checking. No added cost.  A checking account that does more.

Our Better Checking account comes with all these great features:

  • No monthly maintenance fees
  • No teller fees
  • Early Pay on direct deposits
  • Free Mastercard debit card
  • Free Online Banking and Bill Pay 
  • Mobile Banking gives you access to manage your money wherever you are 
  • Over 30,000 ATMs nationwide with the CO-OP Network. Including 7-Eleven stores

Earn more with Better Checking.

You Can Even Earn up to 1.00% APY1 on balances up to $10,000

Better Checking isn't just a checking account. It has the option to become an earning account too! Your account will earn dividends for each month in which if you meet all of the the qualifications below: 

  • Use your debit card to make fifteen (15) signature-based or PIN transactions each month 
  • Have a minimum $500 in direct deposit
  • Use eStatements and have an active email address
  • Use Bill Pay to pay five (5) bills

And don't worry, there's no penalty if you miss any of the qualifications. You'll just miss out on the dividends for that month. 

Your dividends compound daily and are credited at the end of each month. These are things you're probably already doing, so why not get paid for them?

Bank With Us

Ready to Gain Better Banking? The first step in opening one of these accounts is to establish Membership.

Bank With Us

If you are already a Member, you can add new Savings, Checking, Money Market, and Certificate accounts in Online & Mobile Banking, over the phone, or at one of our branches.

Table data for Checking Account
 Effective 02/01/2021
Account Name Minimum Opening Balance Dividend Rate APY1 Alert Me
Better Checking $0.00 0.995% 1.00% Receive a notification when this rate changes
Rates are subject to change without prior notice. Rates on savings, money market, and checking accounts are variable and may change after the account is opened.
  • 1APY = Annual Percentage Yield. To qualify for dividends member must conduct 15 signature or PIN-based debit card transactions per month, have a minimum of $500.00 in Direct Deposit each month, receive eStatements (Online Banking required), have an active email address, and use Online Bill Pay to pay at least 5 bills per month to earn the stated dividend. Dividends paid on balances up to $10,000.↵

Your Debit Card has great benefits!

  • Mastercard Global Service™ Provides 24/7 assistance with lost and stolen card reporting, emergency card replacement,  and emergency cash advance.
  • Identity Theft Resolution Services Assists with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit should you become the victim of Identity Theft.
  • Zero Liability Means you won't be held liable if your card is used for purchases without your permission. Conditions apply. For full details, visit www.mastercard.com/zeroliability.
  • Extended Warranty, Price Protection and other benefits included!

Gain Debit Mastercard

Two ways to activate your debit card:

  • Log in to Online or Mobile Banking, click or tap "Card Controls," and choose "Activate Card"
  • Call (866) 762-0558 from your primary phone.

Time to reorder checks? Click here.

If you're experiencing problems reordering online, please contact us by phone during regular business hours at (818) 846-1710 or come into a branch and we will assist you.

Your statements are ready when you are.

No need to wait for the mail, your statements are available online for secure and easy download. 

  • Speed: Faster delivery of statements - no need to wait for the mail.
  • Security: protected electronic delivery - not in your mailbox where they can be stolen.
  • Convenience: Up to seven years of past statements will be available online.

eStatement FAQs

  • How do I access my eStatement?

    Once you've signed up for the eStatements service, we will send you an email message whenever a new statement is available. In most cases, you'll receive a message within 24 hours of the first day of the month, days before your paper statement would arrive in the mail. To access your eStatement, simply log into your account through Online Banking and select "Statements & Documents". You may then choose to access any one of your available statements.

  • Are eStatements safe?

    Yes. Your eStatement is stored on a secure server and transmitted to your Internet browser using 128-bit encryption. Only you can access your eStatement using your Online Banking member number and password.

  • Is there a fee for using eStatements?

    No. eStatements are a free service. You may also access up to 18 months of your eStatement archives at no cost - which saves on the fees to request paper statement copies.

  • How do I sign up for eStatements?

    Log in to Online Banking select "Statements & Documents". Complete the required information. Be sure to enter your correct email address. Then choose "Submit." We will send you an email to confirm we received your enrollment form. Your eStatement service will be set up the next business day after you enroll. You will receive the next month's statement as an eStatement and a paper statement. The following month, you will only receive an eStatement.

  • Can I print or save my eStatement?

    Yes. If your computer has access to a printer, you may print any eStatement file from the Adobe® Acrobat® Reader® software by selecting the printer icon in the tool bar at the top of the page. Or, choose the "File" menu in the upper-left hand corner of the screen and select "Print" (Ctrl+P). You can save your eStatement from the Adobe® Acrobat® Reader® software by selecting the diskette icon in the tool bar at the top of the page. Or, choose the "File" menu in the upper-left hand corner of the screen and select "SaveA Copy" (Ctrl+Shift+S).

  • When will my eStatement be available?

    In most cases, new statements will generally be made available by 12:00 noon on the 1st and 16th of each month - days before your paper statement would arrive in the mail.

  • Why can't I receive the statement(s) on my joint account?

    We are required by law to deliver statement notification to the primary account holder only. However, you may have eStatement access to your joint account(s) if the primary account owner has enrolled the account in the eStatement service and authorizes multiple account access. For more details about multiple account access, contact us at info@GainFCU.com.

To file a debit or credit card dispute:
Call (818) 846-1710, press "2" at the main menu and follow the prompts.

Disclosures

Program Information

Debit Mastercard Guide to Benefits

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