Thanks to modern financial technology your checking account is more versatile and accessible than ever. We’ve made Kern Federal Credit Union checking accounts especially convenient, affordable and easy to understand.
Free Checking
This account is designed for members who write a lot of checks and want the simplicity of a “truly free” checking account.
$25.00 deposit to open
Free Kern FCU Online Banking and Bill Pay
Unlimited check writing and Kern FCU ATM deposits and withdrawals
No minimum balance requirement
Plus Checking with Dividends
This type of account allows members to earn dividends with no minimum balance requirement.
$25.00 deposit to open
Free Kern FCU Online Banking and Bill Pay
Unlimited check writing and Kern FCU ATM deposits and withdrawals
No minimum balance requirement to earn dividends
No monthly service charge if minimum balance requirement is met 1
No ATM Network Fee (non-Kern FCU ATM)
Free Wallet Style Image Checks
Fresh Start Checking
The Fresh Start Checking is a non-dividend earning account designed for eligible members who have had non-sufficient fund (NSF) activity with no losses to a financial institution. There are limitations and requirements but this account offers the opportunity to re-establish a good checking account history.
$25.00 deposit to open
Free Kern FCU Online Banking and Bill Pay
Unlimited check writing and Kern FCU ATM deposits and withdrawals
No minimum balance requirements
Monthly service fee of $20.00
No Overdraft Protection or Privilege Pay
Debit Card
One card does it all. Using Kern FCU’s Debit Card is the easiest and most convenient way to save time. 2
It’s not a credit card. But you can use it anywhere MasterCard Credit Cards are accepted.
It’s just like writing a check because the funds for the purchase are automatically deducted from your Kern FCU checking account.
Plus there are no fees when used like a MasterCard to sign for a purchase.
Overdraft Protection
Don’t worry, we’ll cover you. We offer two convenient options to choose from:
Overdraft Line of Credit Apply for an unsecured line of credit to cover insufficient funds in your checking account. Funds will automatically be transferred from your line of credit (up to your approved limit) to your checking account.
Preferred Access CreditLine Apply for a Preferred Access CreditLine with Overdraft Protection. Your line will automatically advance money to your checking account to cover transactions you’ve made. 3
1 No monthly service charge if minimum average balance requirement ($2,000 for checking or $10,000 between the Plus Checking account and any combination of savings, IRA, money market and share certificate accounts) is met; otherwise $7.00 per month. 2 Some Debit capabilities may be limited dependent on credit qualifications. 3 Subject to transaction fees, but normal interest charges will accrue on the outstanding loan balance.
Kern Federal Credit Union is aware that the economy is creating financial hardships for many individuals and families. These hardships could mean that meeting financial obligations becomes difficult. If you find yourself unable to make your mortgage payment during this difficult time, we recommend that you take immediate action and call a certified housing counselor or your lender.
International Use of ATMs is now available in most countries. Due to extensive fraud on international ATMs, the processing of ATM activity outside the U.S., Canada, and Mexico is monitored closely. If you plan to travel outside of the U.S. in the near future, we recommend that you please contact us for additional information and/or travel cash alternative.
