Checking Accounts

Looking for a checking account with no monthly fees and built-in perks? We make it easy to manage your money with debit card access, mobile banking, and 34,000+ fee-free ATMs. Use the chart below to compare features and find your best fit.

Open Checking Account

Find the Right Checking Account for You

Would you rather treat yourself with a gift card or get more on your balance? Choose your checking and start earning more!

	Rewards Checking Learn More > Open Rewards Checking	Premium Checking Learn More > Open Premium Checking	VIP Checking Open VIP Savings
Key Benefit	Earn Rewards	Earn Cash	Keep it Basic
Earn Rewards	Earn 1 point for every $2 spent. Redeem points for gift cards, travel, and merchandise.¹
Earn Dividends		Earn up to 7.5% APY² on balances up to $500³. Requires eDocuments enrollment and a minimum of $250 in direct deposits each month.	Earn 0.05% APY² on balances $2,500 and or more. Dividends paid on the entire balance once daily balance reaches $2,500.⁴
Monthly Service Fee	$0	$0	$0
Minimum Balance	$0	$0	$0
Minimum to Open	$35	$35	$35
Free Digital Banking
Free Contactless Visa^® Debit Card⁵
Card Managment
Zelle^®
Free Bill Pay
Credit Hub
Access to 34,000+ Fee-Free ATMs
Overdraft Protection

Rewards Checking

Open Rewards Checking Learn More >

Key Benefit: Earn Rewards
Earn Rewards: Earn 1 point for every $2 spent.
Redeem points for gift cards, travel, and merchandise.¹
Earn Dividends:
Monthly Service Fee: $0
Minimum Balance: $0
Minimum to Open : $35
Free Digital Banking:
Free Contactless Visa^® Debit Card⁵:
Card Managment:
Zelle^®:
Free Bill Pay:
Credit Hub:
Access to 34,000+ Fee-Free ATMs:
Overdraft Protection:

Premium Checking

Open Premium Checking Learn More >

Key Benefit: Earn Cash
Earn Rewards:
Earn Dividends: Earn up to 7.5% APY² on balances up to $500³. Requires eDocuments enrollment and a minimum of $250 in direct deposits each month.
Monthly Service Fee: $0
Minimum Balance: $0
Minimum to Open : $35
Free Digital Banking:
Free Contactless Visa^® Debit Card⁵:
Card Managment:
Zelle^®:
Free Bill Pay:
Credit Hub:
Access to 34,000+ Fee-Free ATMs:
Overdraft Protection:

VIP Checking

Open VIP Savings

Key Benefit: Keep it Basic
Earn Rewards:
Earn Dividends: Earn 0.05% APY² on balances $2,500 and or more. Dividends paid on the entire balance once daily balance reaches $2,500.⁴
Monthly Service Fee: $0
Minimum Balance: $0
Minimum to Open : $35
Free Digital Banking:
Free Contactless Visa^® Debit Card⁵:
Card Managment:
Zelle^®:
Free Bill Pay:
Credit Hub:
Access to 34,000+ Fee-Free ATMs:
Overdraft Protection:

Switching Your Checking to Landmark is Worth it!

Here's why. All of our checking accounts include:

Digital Banking

Easily check your balances, transfer money and use budget tracking tools.
Learn More
Credit Hub

Check your credit score, credit report and get credit monitoring alerts.
Learn More
Card Management

Misplace your debit card? With Card Management, you have the power to lock and unlock your card.
Learn More
Zelle^®

Splitting the bill? Try this fast and easy way to send money to family and friends⁶
Learn More

Rates

Open Checking Account

Checking Account Rates

Premium Checking³
- 7.25%
  
  _APY
Checking Account Rates

VIP Checking⁴
- 0.05%
  
  _APY

Choose Your Checking: Find Your Best Fit

See key benefits, minimums and more at a glance. Our Checking Product Guide helps you confidently choose the right checking account for your needs.

View Our Checking Product Guide

Checking FAQs

Whether you're opening your first checking account or switching banks, these frequently asked questions cover what you need to know from minimum balances, debit cards, mobile banking, and more.

The minimum deposit for a new checking account is $35. Learn more about our checking accounts.
The timing of funds availability depends on how you deposit the money (e.g., check, cash, or electronic direct deposit) and the type of deposit.

For detailed information, please review our Funds Availability Policy. If you have a specific question about a deposit, please contact us for personalized assistance.
Cash deposits are available immediately.
Simply contact us for assistance or stop in to any of our branches to complete the necessary documentation. We also offer a Rewards Visa Credit Card. You'll earn 1 point for every dollar in purchases and can combine these points with those you earn on your Rewards Checking debit card!
Yes. Here's our application link. During the online application process, you'll need a current form of identification. Please note that some accounts may not be available to open online at this time.
We verify all members through ChexSystems. If any fraudulent activity or monies owed to other financial institutions are reported, we will not be able to offer you an account. If other issues than listed above are reported, a savings account may be opened with restrictions.
To convert your existing checking account to Premium Checking, please visit a Landmark branch.
All of our branches have an ATM on-site. Members of Landmark Credit Union can also access over 34,000 in-network ATMs without a fee. Visit our Branch Locator to find a branch near you.
Yes, once your online application is processed and your membership is established, you are free to use any of our branches.
Yes, you can download the Landmark Credit Union app from the App Store or Google Play. Your login information will be the same as your Digital Banking account.
Points start accumulating as purchases are made using your Rewards card. All points will be available for redemption within Digital Banking or the mobile app. To see your rewards points, you can log in and follow one of these two steps:

Through Digital Banking
- Log into Digital Banking.
- Locate "Card Management" in the top navigation.
- Click on "Card Rewards."
Through the Mobile App
- Log into the Landmark app on your phone.
- Tap "Manage Cards" in the bottom navigation.
- Tap "Card Rewards."
While Landmark branches are only located in Wisconsin, you can still easily manage your account from anywhere!

With Digital Banking, you have 24/7 access to your accounts online and on your mobile device. Plus, you can download our mobile app for convenient on-the-go banking:

Need cash? You can access your money at over 34,000 in-network ATMs nationwide.

Enjoy the flexibility of managing your money wherever life takes you! If you have any questions, contact us.
Most employers have a direct deposit form for you to complete for direct deposit to your personal account. You will need Landmark's Routing Number and your Account Number.

Routing Number
Landmark's routing number is 275079714

Account Number
Here are the different ways to find your Landmark account number:

Option 1: Through Digital Banking
- Log in to Digital Banking.
- Select the account name from the dashboard.
- Find the last four digits of your account number under the account name.
- Select the eye icon to reveal your full account number.
Option 2: Through the Mobile App
- Log in to the Landmark app on your phone.
- Tap the account name from your dashboard.
- Tsp "Show details" button in the upper-right corner.
- Tap the eye icon to reveal your full account number.
Option 3: Through Your Member Statement

Mailed Statements
- Your account number is listed on your monthly/quarterly statement.
eDocuments
- Log in to Digital Banking.
- Locate "Accounts" in the top navigation.
- Select "Statements and Documents."
- Select "Statements."
- Select any statement.
- Your full account number will be on the blue bar next to your account name.
Option 4: On Your Paper Checks
- You can also find your account number on any printed checks that are linked with your account.
Additionally you can use our direct deposit form to start or stop a direct deposit. If you need assistance, you can visit a branch or contact us.
Membership is available to all people who live or work in an eligible county, as well as immediate family members of all individuals eligible for membership. To become a member, simply open a VIP Savings Account with a minimum of $5. You can open your account online or by visiting one of our more than 30 branches throughout Southern Wisconsin.

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Premium Checking base rate is 0% APY. Premium Checking Accounts with eDocuments (valid email address required) and direct deposit earn 7.50% APY on balances up to $500. The APY on balances over $500 may range from 7.50% - .06% depending on the account balance.APY is variable and subject to change. APY is accurate as of 11/20/2025. Direct deposit is defined as a minimum of $250 per month in regular periodic deposits from an employer, payroll provider, gig economy payer (e.g. Door Dash, Uber, Postmates), pension or government benefits provider deposited into your Premium Checking Account via the ACH system. Transfers from other Landmark accounts, ACH transfers from other financial institutions, peer-to-peer payments (e.g. Venmo, PayPal), merchant transactions (e.g. Stripe, Square), and mobile check deposits do not qualify as direct deposits. One Premium Checking Account per member. Minimum deposit required to open a checking account is $35. Fees may reduce earnings.

Checking Accounts