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Interest Checking

Checking that earns dividends

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At a glance

  • Online and Mobile Access

    Bill Payment, transfer funds, and more.

    Get Online/Mobile
  • 30,000 Free ATMs

    Nationwide access to your funds.

    Find an ATM
  • 5,000 Shared Branches

    Transactions through our partners on the go!

    Find a Branch
  • Mobile Wallet

    Pay with your phone.

    Learn More
  • Send and receive money with Zelle®

    A fast and easy way to send and receive money with friends, family and people you know.

    Learn More

Check out our Checking Account Rates

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A financial boost for your checking

Checking accounts are convenient ways to spend, but with Interest Checking, they’re also a way to earn dividends and save. The $3 monthly fee is waived if you maintain a daily balance of $500 in Interest Checking, or a combined daily balance of $2,000 among all of your accounts under a single account number.

  • Earn dividends by maintaining an average daily balance of $1,000+
  • Online Banking and Mobile Banking access
  • Free Visa® Debit Card with chip security and worldwide acceptance
  • Members over 60 get a free box of checks each year*
  • Receive your electronic deposits up to two days early!**
  • Access to Zelle®***

Choose your debit card

Choose between our LBS Financial blue, CSULB Go Beach, or Long Beach City College Debit Card.

That $1,000 could be earning dividends.

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Related Resources

FAQs

You are welcome to request a free Debit Card for this account. Certain qualification requirements may apply.

If you have an account with us, your routing number is 322276855.

We will send monthly paper statements or eStatements for Members with checking accounts. If you do not have a checking account, you will receive quarterly paper statements or eStatements unless you make electronic withdrawals or deposits (ACH) or have ATM activity associated with this account in a given month. Then we will send you a monthly statement.

Disclosures

*One box of checks per year and one style only.

**LBS Financial posts electronic deposits to your account on the same day we receive notification from the sender, instead of the scheduled payment date. Deposit date depends on when we received the deposit notification. Electronic deposits may include direct deposit paychecks, social security benefits, and any other government or retirement funds.

***To send or receive money with Zelle® at LBS Financial Credit Union, you must have an eligible checking account. The other party must have an eligible checking or savings account at their bank or credit union. Transactions between enrolled users typically occur in minutes.

Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Copyright © 2025 . All rights reserved. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.