Element Checking

Element FCU/Element Checking

For 5.00% APY** and Early Paydays, Not Profit 

Element Checking accounts are crafted right here in West Virginia – just for you, not profit. Our checking accounts include credit union membership perks, like great rates, fewer fees and local people to talk to. We double dog dare you to find a better checking account rate. We’ll be waiting…

Element Checking account highlights:

  • Earns up to 5.00% APY**
  • Get your payday early with direct deposit
  • No minimum balance required
  • Online banking with bill pay
  • Mobile banking with mobile check deposit
  • eStatements
Apply For Element Checking
Switch to Element
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Enjoy Payday Earlier

Turn payday into payYAY! Use the Element Switch Kit to get direct deposit set up on your Element Checking account.

Set Up Direct Deposit
Fees

Tell Fees To Take A Hike

Element Checking has no minimum balance fees and no monthly fees. However, they do have access to over 30,000 surcharge-free ATMS. 

Find Surcharge-Free ATMs
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#SwipeItForGood

Support your favorite local charity with every swipe! Element gives back when you sign up for #SwipeItForGood. The best part, it’s all us!

Learn More

About Us

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Local Support

You’ve got questions, we’ve got the answers. Text, call or chat with us on our website. We’re always here for you.

Contact Us
Membership

Element Membership

When you join Element you do more than just open an account. You become a member-owner with exclusive benefits.

Element Membership Benefits
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We’ve Got Your Back

We’ve got your back with text alerts and a mobile app that lets you control features of your Element account.

Get Our App
*Membership eligibility required. Federally insured by NCUA.  APY is Annual Percentage Yield. No minimum balance to maintain account. $10.00 minimum to open account. Requirements must be met each monthly statement cycle to receive 5.00% APY* on the portion of the balance up to $2,000.00. Amounts over $2,000.00 will earn .01% APY*. If qualifications are not met, the APY* is .01% on the entire balance. The monthly statement cycle is the 1st through the last day of each calendar month. There are no rollover transactions. Qualifying signature debit card transactions include each time you use your Element debit card to make a purchase from a vendor or merchant. These transactions must post and clear your account during the payment cycle. ATM and ACH transactions do not qualify. Limit of one Infinite Checking per individual. You must be enrolled in eStatements to qualify for this account. This is a variable rate account and the interest rate can change. Fees could affect the earnings on this account. Restrictions may apply. Please see credit union for details regarding our Overdraft Protection terms and conditions.