Official App
Free – Google Play
Get it
Personal Checking Chart
  PREMIER Checking HIGH YIELD Checking CLASSIC 55 Checking FREE Checking
Minimum Balance $1,000 to earn dividends $500 to earn dividends $1,000 to earn dividends None
Monthly Fee $5.00 fee if balance falls below $1,000 any day No fee but if balance falls below $500, dividends are not earned No Monthly Fee No Monthly Fee
Special Requirements None Direct Deposit At least 10 debit card transactions each month
e-Statement (no paper statements)
$500 minimum deposit
Direct Deposit
For ages 55 and older
Dividends* Tiered Dividends
$0 - $4,999
$5,000 and above
Tiered Dividends
$0 - $50,000 
$50,001 and above 
Tiered Dividends
$1,000 - $4,999
$5,000 and above
No Dividends
Free Debit Card
Earn Loyalty Rewards with Reward Debit Card -
Unlimited Checkwriting
Free Online Banking
Free Bill Pay
Free Mobile Banking
Free Phone Banking (Member Audio Response Service)
Unlimited free ATM transactions with VISA Debit or VISA Reward Debit card
Free Overdraft Protection from Share Account
Free Check Orders (select styles) - -
Free Money Orders - -
Free Cashier’s Checks - -
Free ID Restoration from Deluxe Provent - - -

*Please visit our Rate page for more details.
Open an Account Use our ClickSWITCH tool

After clicking the CONTINUE button, you will be redirected to a web site that is not operated by Y-12 Federal Credit Union. Please review the website's privacy and security policies as they may differ from Y-12 Federal Credit Union.