Shared Checking

Personal Share Draft (Checking) Account

Our Personal Share Draft (Checking) Account is designed for the convenience, flexibility, and security you need for everyday banking. Whether you’re commuting across the five boroughs or traveling beyond New York City, you can stay connected to your money with convenient access and surcharge-free ATMs through the CO-OP ATM Network. Plus, our digital banking tools make it easy to manage your money securely, whenever and wherever you need it.

Account Requirements

You must be an LES People’s member with an active Share (Savings) Account and be at least 18 years old.

LES People’s FCU Share Draft Checking Account

Features & Benefits

  • ✔️ No monthly fee
  • ✔️ No minimum balance
  • ✔️ No monthly transaction fees
  • ✔️ Unlimited check transactions
  • ✔️ Mastercard® Debit Card
  • ✔️ Federally insured through the NCUA

Additional Features

Overdraft Protection

Our Overdraft Protection Line of Credit (OP-LOC) can help cover checks when funds are insufficient. Approved members may apply for up to $5,000.

Debit Card Management

Manage your debit card with CardNav. Set controls for transaction types, geographic locations, and merchant types.

Fraud Alerts

Receive text or email alerts when suspicious activity is detected on your debit or credit card.

Surcharge-Free ATMs

Access more than 30,000 surcharge-free ATMs across the U.S. through the CO-OP ATM Network.

Your deposits are federally insured through the National Credit Union Administration (NCUA) to the regulatory maximum.

Your Money Market Account

A Money Market Account from LES People’s FCU gives you competitive interest rates, plus the liquidity and flexibility of a checking account. It’s an ideal way to earn more on your savings dollars and still have access to your cash.

Better yet, it’s secured through the National Credit Union Administration (NCUA).

Looking for protection for high-balance accounts? Learn more about Extended Coverage.

Account Requirements

✔️ Minimum opening deposit and average daily balance required to earn interest is $1,000.

LES People’s FCU Money Market Account

Money Market Benefits

Interest Rates

  • ✔️ Competitive rates
  • ✔️ Variable interest rate with a wide range of balance tiers
  • ✔️ Interest (Dividends) compounded daily

Your deposits are federally insured through the National Credit Union Administration (NCUA) to the regulatory maximum.

Extended Coverage Money Market Account

An Extended Coverage Money Market Account from LES People’s FCU helps protect large deposits while keeping your funds fully accessible.

Balances over $250,000 are automatically distributed across a network of NCUA-insured credit unions, so your full balance, up to $15 million*, remains protected.

Enjoy the same convenience and flexibility of a standard account with added peace of mind. Available for both personal and business members.

Looking for a standard Money Market Account? Learn more about our Money Market Account.

LES People’s FCU Extended Coverage Money Market Account

Account Benefits

  • ✔️ Protects deposits up to $15 million
  • ✔️ Competitive interest rates for you
  • ✔️ Fully managed automatic distribution
  • ✔️ Easy access to all your money
  • ✔️ Real-time tracking and full account visibility

Important Information

*Deposits are insured through participating NCUA-insured institutions. Terms and conditions apply.

Funds participating in the LES People’s FCU Extended Coverage Money Market Account are deposited into accounts at participating credit unions, which are insured by the National Credit Union Administration (NCUA) for up to $250,000 for each category of legal ownership. The total amount of NCUA insurance for your account depends on the number of credit unions in the program.

If the balance in your account is greater than the NCUA insurance coverage available through the program, any excess funds will not be insured.

Please read the Program Terms and Conditions carefully before depositing money into the program.

Enjoy peace of mind knowing your large deposits are fully protected and accessible.

Contact one of our Member Service Representatives if you have questions at (212) 529-8197 or lespfcu@lespfcu.org.