Zero-Fee Checking
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Farmers Insurance Federal Credit Union

Routing Number: 322077795

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Zero-Fee Checking Account

Start Checking The Smart Way. With No Monthly Or Overdraft Fees.

No Monthly Maintenance Fee

Keep more of your money.

No Overdraft Fees

Enjoy stress-free checking.

No Minimum Balance Requirement

Ease and convenience.

Open Account

 

If you’ve ever thought that checking accounts come with too many fees, feel confusing, are too hard to open, or aren’t meant for you, this one is different. Our Zero-Fee Checking* account is a simple, secure and low-cost way to manage your money. With no monthly maintenance fees, no overdraft charges, and no minimum balance requirement, it’s the checking account designed for people who want stress-free checking.

Other standard service fees may apply for certain optional services such as stop-payment requests, wire transfers, or using a non-network ATM.

You only need $20 to open your account today.

Fee-free checking that works for everyone.

Zero-Fee Checking comes with a lot of benefits without the unwelcome costs:

  • No monthly maintenance fees: Keep more of your money.
  • No overdraft charges: If you don’t have enough in your account, we don’t charge a fee.
  • No minimum balance requirement: Relax, you don’t need to keep a certain amount in your account.
  • Unlimited transactions: Make unlimited deposits, withdrawals, and transfers as often as you need.
  • Free online and digital banking: Use Tulee, our digital banking platform, 24/7 at no cost to pay bills, transfer money, and check your balance anytime.
  • Free Visa® Debit Card: An easy way to access your account.
  • Free checks: Free, unlimited corporate-logo style checks.
  • ATM access nationwide: More than 30,000 fee-free in-network ATMs

Checking overdraft protection that’s fair.

Overdrafts can happen to anyone. But with Zero-Fee Checking, you’ll never pay an overdraft fee. Here’s how it works:

  • Your account can overdraw by up to $50 without Direct Deposit, or up to $100 with Direct Deposit (a minimum of $200 Direct Deposit per month is required).
  • If the overdrawn attempt is more than the above limits, the transaction will simply be declined.
  • Accounts that become overdrawn must be returned to a zero balance within 15 days.

Why choose Zero-Fee Checking?

Our Zero-Fee Checking account is Bank On Certified, which means it meets strict national standards for safety, affordability, and financial empowerment.

It can be a great account for young adults, those who carry lower balances, or Members looking for a straightforward checking account. Even if you’ve never had a checking or savings bank account, you can open a Zero-Fee Checking account.

  • Transparent and predictable account terms: You won’t be hit with a monthly or overdraft fee.
  • Built for everyone: This account is helpful if you’re new to banking or rebuilding financial stability.
  • Stress-free: With no monthly service fees and overdraft protection, you can manage your money worry-free.

Important information you need to know.

Except for the fees specifically listed as $0, all other standard charges may apply. Please review our Truth-In-Savings Disclosures.

Get started now.

Open your Zero-Fee Checking account in minutes online, or visit the branch nearest you.

Open Account

It’s a Bank On Certified checking account with no monthly fees, no overdraft fees, and no minimum balance requirement. Other standard service fees may apply for certain optional services such as stop-payment requests, wire transfers, or using a non-network ATM.

No. There are no monthly maintenance fees and no minimum balance requirement.

All you need is a one-time $20 opening deposit, and you’re good to go.

Yes, your overdraft limits are determined based on whether you have Direct Deposit or not. Your account can overdraw up to $50 without Direct Deposit, or up to $100 with Direct Deposit (a minimum of $200 Direct Deposit per month is required). Any transaction over these limits will be declined.

No. The Zero-Fee Checking account does not earn dividends or interest. If you’d like to earn interest, consider our High Yield Checking account. If you’d like to get cash back monthly, check out our CashBack Checking account.

Yes, in-network ATM transactions are always free. Plus, we don’t charge when you use an out-of-network ATM, but the machine’s owner might.

Anyone 18 or older can open a Zero-Fee Checking account. Minors may open an account with a parent or guardian as a co-owner. Even if you’ve never had a checking or savings account at another bank, you can open a Zero-Free Checking account.

Bank On Certification means that Zero-Free Checking meets strict national standards for safety, affordability, and financial empowerment. It’s another example of our mission to help the communities we serve and our Members live their best financial lives.

The Zero-Fee Checking Account has no monthly maintenance fees and does not require a minimum balance. A one-time minimum deposit of $20 is required to open the account. There are no overdraft or non-sufficient funds (NSF) fees, and in-network ATMs are free to use. While we do not charge fees for out-of-network ATMs, the ATM owner or network may apply a fee. Account holders receive a free debit card, free access to online and mobile banking, and the ability to set up direct deposits at no cost. Paper statements are available upon request, and optional services such as, stop payments, wire transfers, replacement debit cards (rush cards), foreign transactions, dormant account may incur charges. Other fees including return item fees also apply.  Please refer to the Credit Union’s Service Charges and Fees schedule located in the Truth-In-Savings Disclosure for all other fees and charges.  Deposits, including direct deposits and cash, are generally available immediately, while check deposits are typically available the next business day or may be longer depending on check holds, if applicable. This account is designed to prevent overdrafts past the allowable limits. Transactions that would overdraw your account may be declined. There are no overdraft fees for ATM or one-time debit card transactions. Deposits are insured up to applicable limits by the NCUA. The Zero-Fee Checking Account provides simple, low-cost access to your funds with transparency and no fees for overdrafts, in-network ATM fees, and monthly maintenance fees.