Banking is boring. We’re not.

Forget big white pillars, stuffy suits, and feeling judged. If you’re a little unconventional, Element has checking accounts as unique as you.

Open a Checking Account

A checking account alternative for the alternative.

Sure, we’ve got the regular stuff – checks, online banking, overdraft protection… but our checking also has cool features you won’t find anywhere else locally, like:

Custom debit cards branded just for you

Getting paid up to 2 days early* with direct deposit

Supporting local non-profits with every debit card swipe through our #SwipeIt For Good program

FREE credit score access

Here’s what a few of our 5,200+ members have to say:

Nick / Member since 2007

I trust and rely on Element Federal Credit Union with both my business and personal accounts. Element has played a major role in helping me improve my credit score and organization. I’ve never been treated better or with more respect by any financial institution.

Shantrace / Member since 2012

Element has been instrumental in getting my finances in order. They’ve done everything from protecting me against fraudulent charges to financing my auto loan. If you’re looking for a great credit union, then Element Federal Credit Union is the one you want!

Rhonda / Member since 2013

Out of all the financial institutions I have used in my lifetime, Element is by far my favorite. They even have custom, instant issue debit cards with great designs. I have Zombie Chickens on my card. Who knew? They also have lots of shared branches around the nation, and that’s just really cool!

Linda / CEO since 1998

I joined Element in 1998. I thought it was just a short pitstop until my next, big adventure. I was wrong. This was the start of my great adventure. I’m glad I stayed and continue to love what I do for our members and our community.

Additional Features:

Element Mobile App with debit card controls and mobile check deposit
Add your Element debit or credit card to your mobile wallet of choice
Fee-free ATMs at our branches and in the CO-OP ATM network

Access to thousands of branches nationwide through Shared Branching
All checking accounts pay dividends – we double-dog dare you to find other institutions that do this

Keep your money right here in #WestVirginia.

Forget call centers across the country – choose Element and you’ll always work with your friends and neighbors. Ready for a local, craft banking experience like nowhere else? Open your checking account online today!