Due to scheduled system maintenance, Online Banking, Mobile Banking, and Telephone Banking will be unavailable on Sunday, August 14 from 12:00 a.m. to 6:00 a.m.
If you have been impacted by Hurricane Ian, we are here to help. Contact us at 800.880.5328 for more information.
Money in motion—your checking account is the hub for most of your day-to-day finances, with funds coming and going in an endless cycle. Our checking accounts are as customizable as your wardrobe—choose the features you want and get the cutting-edge tools and technology you need to manage your finances with confidence.
For those who want flexibility and great checking options close to home or abroad.
For the tech-savvy member who prefers the security of electronic checking.
For our military servicemen and women—past and present—and their family members.
All three accounts are great, really! But each offers unique benefits and options that may fit perfectly into your life. Compare them now.
|Earn Cash Back with Purchase||X||X||X|
|Independence Visa® Debit Card||X||X||X|
|30,000 Free ATMs||X||X||X|
|24/7 Online Banking & Bill Pay||X||X||X|
|Anywhere Mobile Banking & Mobile Check Deposit||X||X||X|
|Real-Time Fraud Alerts||X||X||X|
|Free Check Processing||X||First 10 transactions per month (additional checks: $0.50 per check)||X|
|Free Checks||One Standard Box provided at account opening||8 checks provided at account opening||X|
|Overdraft Protections/Courtesy Pay||X||X||X|
|Monthly Fee||$0 with $300 minimum direct deposit each month OR $2,000 average daily balance OR Minimum 10 debit card transactions each month||$0 with e-Statements AND $300 minimum direct deposit each month||$0|
|e-Statements||Free||Required & Free||Free|
|External Transfers and PopMoney||$2/transfer (3-Day)|
|5 Free Transfers Per Month||$2/transfer (3-Day)
|Free Text Banking||X||X||X|
Three easy ways to open your account.
Membership eligibility required. Kirtland CU welcomes veteran, active-duty, and retired members of all branches of the U.S. military, including NM National Guard and Reserve, who have ever been served by KAFB; contractors, employees, and retirees of businesses who work on or with KAFB under contract with the U.S. Government; members and employees of partner organizations throughout Albuquerque; and family members of eligible or existing members. See a representative for complete details. Your deposit accounts are federally insured to at least $250,000 by the NCUA. A member must open and maintain at least one share (savings) account with a minimum balance before any other account may be opened. CU Anytime ATMs incur no fee from Kirtland CU; use of ATMs outside the CU Anytime and CO-OP network may incur fees from the banks that own them. The military checking account requires a military ID displaying you are Active Duty, Guard, Reserve or Retiree. Family members are eligible too. Your personal ID number and issue and/or expiration date from your military ID is required for access to the military checking account. Elimination of monthly account fees have requirements depending on account type; Military Checking never charges a monthly maintenance fee. Account triggered fees and charges that may be assessed against your account are disclosed in the fee schedule. For complete details, refer to the Truth-In-Savings Disclosure.