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Fiscal offers the following checking accounts, each with a package of features to fit a particular financial lifestyle. To open a checking account at Fiscal, complete a Fiscal Signature Card and fax it to (818) 265-1840, and we will contact you within one business day to confirm your request. You may also call us at (800) 311-3328, or stop by one of our branches. Not a member? Fill out a Membership Application today.

Protection Plus includes the following features and benefits:

  • Credit File Monitoring - daily credit file monitoring and automated alerts of key changes to all three major credit bureaus*
  • 3-in-1 Credit Report - request a new 3-in-1 credit report every 90 days or upon receipt of a credit alert*
  • Total Identity Monitoring - continuous monitoring of over 1,000 databases*
  • Identity Theft Protection Service - IDProtect® - which will help safeguard you and your family against identity fraud+
  • Fully Managed Identity Theft Resolution Services
  • Up to $10,000 Identity Fraud Expense Reimbursement
  • Payment Card Registration
  • Online Identity Theft Education Center
  • Surcharge-free ATM access throughout the CO-OP Network
  • Free access to Fiscal Connect Online, Mobile and Tablet Banking
  • Online Bill Payment
  • Visa® Check Card with ATM access^
  • Expressline 24-hour telephone access
  • Direct Deposit/Payroll Deduction/ACH
  • Unlimited in-branch teller transactions
  • Access at over 6,800 national Shared Branch locations
  • Overdraft Protection^
  • Courtesy Pay Service^

You will receive all these features for a low monthly fee of $3.95.

*With registration and activation.

+IDProtect® service is a personal identity theft protection service available to account owner(s) and their family.  Family includes:  spouse, persons qualifying as domestic partner, children under 25 years of age, and parent(s) who are residents of the same hosuehold.  Service is not available to a "signer" or "beneficiary" of the account who is not an account owner.  Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

^Upon approval.

Fiscal's eChecking includes the folloiwng features and benefits:

  • Monthly fee waived with E-Statements and one of the following:  1 Fiscal Online Bill Payment per month OR 8 signature-based transactions per month with a Fiscal Visa® Check Card OR a monthly direct deposit of $500 or more*
  • Surcharge-free ATM access throughout the CO-OP Network and 12 out-of-network ATM service charge waivers per year*
  • Free access to Fiscal Connect Online Banking and Bill Pay
  • Free access to Mobile and Tablet Banking
  • Access to over 6,800 national Shared Branch locations
  • Visa® Check Card with ATM access^
  • Direct Deposit/Payroll Deduction/ACH
  • Bi-lingual Expressline 24-hour telephone access
  • Unlimited in-branch teller transactions
  • Overdraft Protection^
  • Courtesy Pay Service^

*Upon request.

^Upon approval.

Fiscal's Premium Checking offers a number of benefits, such as:

  • 0.25% rate bump-up option on non-promotional term share certificates
  • No minimum balance requirement to earn dividends on your balance
  • No monthly service charge with an aggregate minimum average daily savings and loan balances of $15,000 or more (excluding 1st Trust Deed Loans)
  • Free access to Fiscal Connect Online Banking and Bill Pay
  • Free access to Mobile and Tablet Banking
  • Surcharge-free ATM access throughout the CO-OP Network; 12 out-of-network service charge waivers per year*
  • Visa® Check Card with ATM access^
  • Unlimited check writing
  • Courtesy Pay or NSF fee waiver up to four times per year
  • Bi-lingual Expressline 24-hour telephone access
  • Direct Deposit/Payroll Deduction/ACH
  • Unlimited in-branch teller transactions
  • Access to over 6,800 national Shared Branch locations
  • Overdraft Protection^
  • Courtesy Pay Service^

*Upon request.

^Upon approval.

Take a look at all of the features of a Benefits Plus® Checking account at Fiscal:

  • No minimum balance requirements to earn dividends
  • Free Fiscal image checks
  • Free cashier's checks
  • Free access to Fiscal Connect Online Banking, Bill Pay, and E-Statements
  • Surcharge-free ATM access throughout the CO-OP Network
  • Visa® Check Card with ATM access^
  • Unlimited check writing
  • Bi-lingualExpressline 24-hour telephone access
  • Direct Deposit/Payroll Deduction/ACH
  • Unlimited in-branch teller transactions
  • Access to over 6,800 national Shared Branch locations
  • Overdraft Protection^
  • Courtesy Pay Service^
  • PLUS, the following added benefits:
  • Cash Rebates
  • Full-Service Travel Discounts
  • Credit Card Registration and Protection
  • Student Grant Locator
  • Comprehensive Dental Coverage
  • Movie Ticket Discounts
  • Health Services Savings
  • 24-Hour Emergency Road Service Discounts
  • Discounted Gift Cards
  • Grocery Savings
  • Discounted Long Distance Calls

You receive all of these savings opportunities for a low monthly fee of $6. Not sure if this program is right for you? Fiscal gives you the first 90 days for FREE! For Benefits Plus® Youth Checking, you will not be charged a monthly fee as long as you sign up for and maintain E-Statements.  Let Benefits Plus® help you save.  To get more information about these great features, visit Benefits Plus. To review Fiscal's Benefits Plus Brochure, click here.

^Upon approval.

Protect Your Transactions with Courtesy Pay

Courtesy Pay adds a measure of protection to your Fiscal checking account.  With Courtesy Pay*, if you make a mistake on your account or have unplanned expenses, Fiscal Credit Union may cover your shortfall up to $750 instead of returning your item(s) unpaid.  Courtesy Pay may also save you the inconvenience of having an item returned unpaid, as well as additional merchant fees.  

You can access your Courtesy Pay for checks, ACH transactions, and preauthorized automatic transfers.  Plus, you can now add access to Courtesy Pay for ATM and everyday Visa® Check Card transactions upon request.  To do so, simply call us at (800) 311-3328, complete this form, or stop by one of our branches.

If you do not want this service on your account, please fill out this form and return it to us.  

Click here to review the eligibilty requirements for maintain Courtesy Pay in the Courtesy Pay Disclosure.

Click here to review some of our members' most Frequently Asked Questions about Courtesy Pay.

*Courtesy Pay is not a loan.  It is a service provided by Fiscal to help you manage your account; we'll generally pay your overdraft items up to $750.  There is no fee to enroll in Courtesy Pay; however, when Courtesy Pay is used, there will be a fee of $29 per covered item.  The full amount of the overdraft balance (plus any related fees) will be due within 30 days from the date of the occurrence.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.

Order Checks

Checking Account Fee Schedule

Checking Account Rates

Everyone has different needs and preferences when it comes to personal finances. That’s why Fiscal offers the following checking accounts, each with features to fit a particular financial lifestyle. Take a look at the checking options available below. Then, click on the “Compare Checking Accounts” tab to view a side-by-side comparison of which checking account will suit you best.

Protection Plus

Protection Plus

Fiscal's Protection Plus checking account gives you everything you need to safeguard your identity, protect your credit, and help you recover should you become a victim of identity theft.  This account has a low monthly fee of $3.95 and includes all of the following features and benefits:

  • Credit File Monitoring - daily credit file monitoring and automated alerts of key changes to all three major credit bureaus*
  • 3-in-1 Credit Report - request a new 3-in-1 credit report every 90 days or upon receipt of a credit alert*
  • Credit Score - receive a new single bureau credit score with every new credit report*
  • Total Identity Monitoring - continuous monitoring of over 1,000 databases*
  • Identity Theft Protect Service - IDProtect® - which will help safeguard you and your family+ against identity fraud
  • Fully Managed Identity Theft Resolution Services
  • Up to $10,000 Identity Fraud Expense Reimbursement
  • Payment Card Registration
  • Online Identity Theft Education Center
  • Free access to Fiscal Connect Online Banking, Bill Pay and E-Statements
  • Free access to Mobile and Tablet Banking
  • Surcharge-free ATM access throughout the CO-OP Network
  • Visa® Check Card with ATM Access^
  • Unlimited check writing
  • Bi-lingual Expressline 24-hour telephone access
  • Direct Deposit/Payroll Deduction/ACH
  • Unlimited in-branch teller transactions
  • Access at over 6,800 national Shared Branch locations
  • Overdraft Protection^
  • Courtesy Pay Service^

To open a Protection Plus checking account at Fiscal, complete a Fiscal Signature Card and fax it to (818) 265-1840. We will contact within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member, take a moment to fill out Fiscal's Membership Application.

*With registration and activation.

+IDProtect® service is a personal identity theft protection service available to account owner(s) and their family.  Family includes:  spouse, persons qualifying as domestic partner, children under 25 years of age, and parent(s) who are residents of the same household.  Service is not available to a "signer" or "beneficiary" of the account who is not an account owner.  Service is not available to businesses and their employees, clubs and/or churches and their members, schools and their employees/students.

^Upon approval.

eChecking

eChecking

Fiscal’s eChecking account has what you need for easy, everyday banking, including a Visa® Check Card with ATM access+, as well as free access to Fiscal Connect Online, Mobile and Tablet Banking.  An eChecking account has a low monthly fee of $3.95; however, you may waive that fee when you sign up for FREE E-Statements AND one of the following:  1 Fiscal Online Bill Payment per month, OR 8 signature-based transactions per month with your Fiscal Visa® Check Card, OR a monthly direct deposit of $500 or more.  eChecking provides the following additional features and benefits:

  • Surcharge-free ATM access throughout the CO-OP Network; 12 out-of-network ATM service charge waivers per year*
  • Bi-lingual Expressline 24-hour telephone access
  • Direct Deposit/Payroll Deduction/ACH
  • Unlimited in-branch teller transactions
  • Access at over 6,800 national Shared Branch locations
  • Overdraft Protection+
  • Courtesy Pay Service+

To open an eChecking account at Fiscal, complete a Fiscal Signature Card and fax it to (818) 265-1840. We will contact you within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member, take a moment to fill out Fiscal's Membership Application.

*Upon request.

+Upon approval.

Premium Checking

Premium Checking

Fiscal’s Premium Checking offers a number of benefits, including a 0.25% rate bump-up option on non-promotional term share certificates, and no minimum balance requirement to earn dividends on your balance. When you select Premium Checking at Fiscal, you will also receive the following:

  • No monthly service charge with an aggregate minimum average daily savings and loan balances of $15,000 or more (excluding 1st Trust Deed Loans)
  • Free access to Fiscal Connect Online Banking, Bill Pay and E-Statements
  • Free access to Mobile and Tablet Banking
  • Surcharge-free ATM access throughout the CO-OP Network; 12 out-of-network ATM service charge waivers per year*
  • Visa® Check Card with ATM access+
  • Free Fiscal image checks once per year
  • Unlimited check writing
  • Bi-lingual Expressline 24-hour telephone access
  • Direct Deposit/Payroll Deduction/ACH
  • Unlimited in-branch teller transactions
  • Access at over 6,800 national Shared Branch locations
  • Overdraft Protection+
  • Courtesy Pay Service+

To open a Premium Checking account at Fiscal, complete a Fiscal Signature Card and fax it to (818) 265-1840. We will contact you within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member, take a moment to fill out Fiscal's Membership Application.

*Upon request.

+Upon approval.

Benefits Plus®

Benefits Plus® Checking

Benefits Plus® is an enhanced Fiscal checking account that saves you money with discounts on travel, entertainment, groceries, dining out, and much more! With over 600 business partners, Benefits Plus can help you live better for less every day! Let’s take a look at all of the features of a Benefits Plus Checking account at Fiscal:

  • No minimum balance requirements to earn dividends
  • Free Fiscal image checks
  • Free cashier's checks
  • Free access to Fiscal Connect Online Banking, Bill Pay, and E-Statements
  • Free access to Mobile and Tablet Banking
  • Surcharge-free ATM access throughout the CO-OP Network
  • Visa® Check Card with ATM access*
  • Unlimited check writing
  • Bi-lingual Expressline 24-hour telephone access
  • Direct Deposit/Payroll Deduction/ACH
  • Unlimited in-branch teller transactions
  • Access at over 6,800 national Shared Branch locations
  • Overdraft Protection*
  • Courtesy Pay Service*

PLUS, the following added benefits:

  • Cash Rebates
  • Full-Service Travel Discounts
  • Credit Card Registration and Protection
  • Student Grant Locator
  • Comprehensive Dental Coverage
  • Movie Ticket Discounts
  • Health Services Savings
  • 24-Hour Emergency Road Service Discounts
  • Discounted Gift Cards
  • Grocery Savings
  • Discounted Long Distance Calls

You receive all of these savings opportunities for a low monthly fee of $6. Not sure if this program is right for you? Fiscal gives you the first 90 days for FREE! Benefits Plus Checking will help you save a lot of money. To get more information about these great features, visit Benefits Plus. To review Fiscal's Benefits Plus Brochure, click here.

To open a Benefits Plus Checking account at Fiscal, complete a Fiscal Signature Card and fax it to (818) 265-1840. We will contact you within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member,take a moment to fill out Fiscal's Membership Application.

Once you open a Benefits Plus Checking account, you'll be able to power up personal savings using the NEW Personal Mobile Concierge app on your mobile device.  Download the FREE app today at either the App Store or Google Play and start saving!

*Upon approval.

Benefits Plus® Youth Checking

Benefits Plus Youth Checking (Ages 13-17)

With this Youth Checking account, you will enjoy 24/7 online and mobile access, no monthly fee (as long as you sign up for and maintain Fiscal's E-Statements), a Visa® Check Card and free Fiscal image checks. Additionally, you will be able to take advantage of discounts on movie tickets, movie rentals, and theme parks, as well as cash back rewards when you use your Visa® Check Card at 350 of the nation’s top online retailers. Plus, you will be able to utilize the Student Grant Locator Service at your convenience.

Using your iPhone, Android device, iPad or tablet, you can access these valuable benefits and services quickly and conveniently, such as using the "Concierge" button and the "Local Business Search," which finds participating restaurants and retailers based on your "Current Location. Plus, when you use the “bookmark” feature on your device, you can create a home icon and enjoy accessing benefits wherever you are.

To get more information about these great features, visit Benefits Plus. To review Fiscal's Benefits Plus Brochure, click here.  To power up your personal savings today, download the FREE Personal Mobile Concierge App today on your mobile device.

To open a Benefits Plus Youth Checking account at Fiscal, complete a Fiscal Signature Card, with your legal guardian filling out the joint owner section of the Signature Card as well. Additionally, you will need to have your legal guardian fill out the Minor Account Agreement. All forms can be faxed to (818) 265-1840. We will contact you within one business day to confirm your request. You may also call us at (800) 311-3328 or stop by one of our branches. If you are not yet a member, take a moment to fill out Fiscal's Membership Application as well.

Compare Accounts

Compare Fiscal Checking Accounts

BenefitsPremium Checking

 

eChecking

Protection Plus CheckingBenefits Plus® CheckingBenefits Plus® Youth Checking 
Minimum Balance Required to Open $0 $0  $0 $0 $0
Monthly Service Charge Free with minimum aggregate balance*

$3.95

FREE with E-Statements AND one of the following: 1 Fiscal Online Bill Payment per month OR 8 signature-based transactions per month with a Fiscal Visa Check Card OR a monthly direct deposit of $500 or more

 $3.95/$1.95 for 55+ Advantage Members+

$6**/$3 for 55+ Advantage Members+

FREE for the first 90 days

 FREE      with E-Statements

IDProtect® N/A  N/A  Included N/A N/A
ATM Access FREE ATM Access within the CO-OP Network; 12 out-of-network ATM service charge waivers per year^ FREE ATM Access within the CO-OP Network; 12 out-of-network ATM service charge waivers per year^ FREE ATM Access within the CO-OP Network FREE ATM Access within the CO-OP Network FREE ATM Access within the CO-OP Network
Courtesy Pay or NSF Fee Waivers Four per year^^ No No No No
Earns Dividends Yes No No  Yes Yes
Rate Bump-Up Option^ 0.25% rate bump-up option on non-promotional term share certificates N/A  N/A N/A N/A
Check Orders FREE Fiscal image checks N/A Price Varies  FREE Fiscal image checks FREE Fiscal image checks
Minimum Balance to Earn Dividends No minimum required N/A  N/A  No minimum required No minimum required
FREE Cashier's Checks Yes No  No  Yes Yes
Waiver of $2 Low Savings Balance Fee Yes No  No  Yes Yes
Fiscal Visa® Gift Card Fee Waived Standard Pricing  Standard Pricing  Fee Waived Fee Waived

You must be a member in good standing to take advantage of Fiscal’s products and services. Members with derogatory records in ChexSystems may be denied a checking account and/or electronic access card.

*A monthly service charge of $15 will apply if $15,000 aggregate minimum average daily savings and loan balance (excluding 1st Trust Deed Loans) is not maintained.

**Monthly Benefits Plus Checking Membership Dues.

^Upon request.

^^Waived for Premium Checking for up to four times a year.

+ 55+ Advantage Program will take affect on October 8, 2014.

Protect Your Transactions

Protect Your Transactions with Courtesy Pay

Courtesy Pay adds a measure of protection to your Fiscal checking account.  With Courtesy Pay*, if you make a mistake on your account or have unplanned expenses, Fiscal Credit Union may cover your shortfall up to $750 instead of returning your item(s) unpaid.  Courtesy Pay may also save you the inconvenience of having an item returned unpaid, as well as additional merchant fees.

You can access your Courtesy Pay for checks, ACH transactions, and preauthorized automatic transfers.  Plus, you can now add access to Courtesy Pay for ATM and everyday Visa® Check Card transactions upon request.  To do so, simply call us at (800) 311-3328, complete this form and mail or fax it to the Credit Union, or stop by one of our branches

We think you're going to appreciate having Courtesy Pay because:

  • It's confidential.
  • If you don't use it, it won't cost you anything.

If you do not want this service on your account, please fill out this form and return it to us.  

Click here to review the eligibility requirements for maintaining Courtesy Pay in the Courtesy Pay Disclosure.

Click here to review some of our members' most Frequently Asked Questions about Courtesy Pay.

*Courtesy Pay is not a loan.  It is a service provided by Fiscal to help you manage your account; we'll generally pay your overdraft items up to $750.  There is no fee to enroll in Courtesy Pay; however, when Courtesy Pay is used, there will be a fee of $29 per covered item.  The full amount of the overdraft balance (plus any related fees) will be due within 30 days from the date of the occurrence.  Whether your overdrafts will be paid is discretionary and we reserve the right not to pay.  For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.  

HELOC LTV 60% as low as

3.75%APR**

Auto Loans as low as

1.99%APR**

Certificates as high as

1.31%APY**

Checking as high as

0.03%APY**

IRAs as high as

1.31%APY*

More Rates
*APR = Annual Percentage Rate. Rate reflects maximum available discounts. **APY = Annual Percentage Yield. The yield shown is the highest, based on tier, term, and/or other factors.