CHECKING ACCOUNT BENEFITS — Monthly E-Statements, Direct Deposit, Visa Debit Card, No Service Charge, No Per Check Re-Order, Courtesy Pay, Payroll Deduction, Online Check Re-Order, Shared Branch, ATM Access

KECU gives you many convenient options and tools when it comes to managing your financial present and future. Although we focus on strengthening our local communities, our reach is widespread. So wherever you are and wherever you want to go, we’ll be there.

My Debit Card

Make purchases wherever Visa is accepted. The amount of the purchase is deducted from your primary checking account. The card can also be used to withdraw funds from your checking and/or savings account(s) at ATMs nationwide. KECU provides no-surcharge ATMs through the Alliance One ATM Network. Also, My Debit Card allows you to personalize your debit card with a photo of your choice. Learn more by visiting our My Debit Card page.

ATM Locations

KECU has joined an alliance with other financial institutions to bring you SURCHARGE FREE ATMs. By joining the Alliance One and CU24 ATM networks, KECU is able to provide you with access to thousands of ATMs across the United States. Find an ATM near you.

Shared Branch

One way you can access your funds is to visit one of the Shared Branches in which KECU participates. Whether you are in Lexington, Louisville, Cincinnati, or anywhere else in the United States, a Shared Branch acts like your credit union away from home. You can make a deposit, withdrawal, or loan payment. Find a Shared Branch near you.

Online Check Re-order

Do you need to reorder your checks? Now you can place this order online. All you need is the KECU routing number and your account number, both of which are located on the bottom of your checks.

Click here to order.

Each month you will receive an itemized statement detailing the activity of your account including deposits, transfers, withdrawals, debit card transactions, cleared checks, and ATM transactions.  Statements are also available as E-Statements.

Pathway Checking

If you have encountered a few hurdles and need a fresh start with your checking account, this might be the account for you.

  • No remote deposit capture
  • No courtesy pay unless recurring direct deposit is initiated.
  • With recurring direct deposit, eligible for $100 courtesy pay after 90 days
  • $5 minimum deposit to start
  • May be eligible to apply for classic checking account after 6 months

Direct Deposit

Don’t have time to swing by the credit union on payday? With the convenience of direct deposit, any and all of your payroll, state retirement, and social security checks can be automatically credited to your account(s) every payday. Learn more by visiting our Transfer Funds page.

Payroll Deduction

A convenient and easy way to make a loan payment from your check before you receive it.  The money is automatically credited to your account(s) on payday.  Check with your payroll clerk today for more information or visit our Transfer Funds page to learn more.

Courtesy Pay

Courtesy Pay is an overdraft protection program designed to cover overdrafts in your account up to a total of $500 for eligible members. Call Member Services at 1-502-564-5597 for more information.

No Service Charge

With a KECU checking account, you will save money because we don’t charge a monthly fee to maintain your checking account.

No ``Per Check`` Fee

Write as many checks as you need each month and never pay a “per check” fee.

Apple Pay

Available for your KECU Visa credit and debit cards.

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