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

Landmark Checking Benefits

Switching your checking to Landmark is worth it! Here’s why:

No Hidden Fees

No surprises here! We have no monthly service fee and no minimum balance required. It only takes $35 to get started.
34,000+ in-network ATMs

Need some cash to tip or pay for parking? Choose from plenty of fee-free ATMs.
Free Visa^® Debit Card

Debit card that’s accepted nearly everywhere? Check!
Free Bill Pay

Save the stamp and the check—set up one-time or recurring payments.
Digital Banking

Easily check your balances, transfer money and use budget tracking tools.
Learn More
Zelle^®

Splitting the bill? Try this fast and easy way to send money to family and friends¹
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

Landmark member using the contactless feature on their debit card to pay for meal and earn rewards.

Rewards Checking

Treat yourself! With Rewards Checking you'll earn 1 point for every $2 in signature-based debit card purchases. Redeem your points for gift cards, travel and merchandise. Add a Rewards credit card to combine points and earn rewards even faster.

Open Rewards Checking

Man smiling while working at his computer, sitting on couch

Premium Checking

Earn More. With Premium Checking, get 7.50% APY on balances up to $500. To qualify, enroll in eDocuments and have a direct deposit of at least $250 a month.

Open Premium Checking

Compare Checking Accounts

Choose from options that earn you more on your balance or fun rewards! Want to keep it simple? We also offer a VIP Checking account.

VIP Checking	Premium Checking	Rewards Checking
Earn 0.05% APY on balances $2,500 and higher²	Earn 7.50% APY on balances up to $500³	Earn rewards like gift cards, travel and merchandise⁴
Open VIP Checking	Open Premium Checking	Open Rewards Checking

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 Account Rates

Account Type	Dividend Rate	APY⁵
Account Type VIP Checking²	Dividend Rate 0.05%	APY⁵ 0.05%
Account Type Rewards Checking⁴	Dividend Rate 0.00%	APY⁵ 0.00%
Account Type Premium Checking³	Dividend Rate 7.25%	APY⁵ 7.50%

Account Type

Dividend Rate

APY⁵

Account Type

VIP Checking²

Dividend Rate

0.05%

APY⁵

0.05%

Account Type

Rewards Checking⁴

Dividend Rate

0.00%

APY⁵

0.00%

Account Type

Premium Checking³

Dividend Rate

7.25%

APY⁵

7.50%

Checking Frequently Asked Questions

Not sure which checking account is right for you? Still have questions? We’ve got you covered.

The minimum deposit for a new checking account is $35. Learn more about our checking accounts.
Visit our premium checking page to learn more about Premium Checking and all the account types we offer.
Fees depend on what type of overdraft protection you have. If your account becomes overdrawn. based on eligibility and enrollment, Landmark will have the discretion to pay the overdraft. The different types of overdraft protection that we offer and the fees included are listed below.

Overdraft Protection
If enrolled on an eligible account, Landmark will transfer funds from your other deposit account(s) or linked lines of credit to your checking account when the available balance in your checking account is not enough to cover a transaction. A $5 Overdraft Transfer fee will be assessed for each transaction that is covered under the Overdraft Protection.

Premium Overdraft Protection
Once granted for an account, Premium Overdraft is available for checks, internet bill payments and ACH transactions. Premium Overdraft may also be available for one-time debit card and ATM transactions if you opt-in to be considered for this service. Subject to the current cap on the number of fees (5 per day per account) you will be charged a fee of $30 each time we pay an overdraft or decline a transaction for insufficient funds and your transaction amount exceeds the current balance in your account.

Please review the Overdraft Protection disclosure for additional details, terms and conditions. Fee applies when overdraft is created by check, in-person withdrawal, ATM withdrawal, point of sale transaction or other electronic means. Multiple fees may be charged if you execute multiple transactions.

To learn more about Overdraft Protection for one-time debit card and ATM transactions, please see our Overdraft Opt-In page.
This can easily be done at a Landmark branch or by filling out an online application. If you would like to apply at a branch and you are adding another account to your existing membership, only one of you has to come into the branch to set up the account and obtain the necessary documents. The documents can then be executed by the second account owner in the presence of a notary and returned to Landmark. If you have any additional questions, you can contact us.
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.
Checks made payable to two people connected with "and" will require signatures of both people. Checks made payable to two people connected with "or" or "/" will require a signature of only one person. Checks made payable to two people connected without "and" , "or" , or "/" will require a signature of only one person, unless the payees are a husband and wife. Due to Wisconsin law, signatures of both spouses would still be required. Checks made out to two different parties can be deposited at a branch or through our mobile deposit feature within the mobile app.
A Landmark Official Check is void after 90 days. This is also printed on the front of the check.
Typically, checks take around 7-10 business days to arrive after placing your order. Most check products have trackable shipping, allowing you to monitor your order. If your order doesn’t arrive within this timeframe or if you encounter any tracking issues, please don't hesitate to contact us.
Deluxe
Please contact us to discuss your specific situation.
Our most convenient option for ordering checks is through Digital Banking. However, please note, we changed check vendors in May 2024. If this is your first order with Deluxe, our new vendor, it’s best to contact us or visit a branch. Reorders can easily be done through Digital Banking after your first check order.

Once ordered, checks will typically be delivered within 7-10 business days. Here are all the methods you can use to order checks.

Digital Banking

Log in to Digital Banking
Click "Accounts" in the top navigation
Click "Check Services"
Click "Reorder Checks”
Click the "Order Checks"

Mobile App

Log in to the Landmark app
Tap "More" from the bottom navigation
Tap to expand the "Accounts" menu
Tap "Check Services"
Tap "Order Checks"
Tap "Order Checks"

Order Checks in Person

Visit a Landmark branch (lobby or drive-thru) to order checks.

Order By Phone

You can order checks by calling us.

Order By Mail

If you have a reorder form (available at a Landmark branch or in your original package of checks), you can drop it off at any of our branches or mail it to:

Landmark Credit Union
P.O. Box 510870
New Berlin, WI 53151

Members aged 55 and above who have a Landmark checking account (VIP, Rewards or Premium) are eligible to receive one free box of Landmark checks per calendar year. To receive this free box of checks, you must order at a branch or by contacting us.
Deluxe
You must be at least 18 to open a checking account in your own name. Checking accounts may be opened with a parent or guardian as a joint owner beginning at the age of 14.

A debit or ATM card may also be obtained at age 14 with the parent or guardian signed on the application. The parent or guardian may not be removed from the checking account or debit/ATM card until the minor reaches the age of 18.
Two forms of ID are required. Acceptable forms of ID include:
- Current Wisconsin driver's license* or Wisconsin State ID
Plus one of the following:
- Current utility bill with the same address as license
- Current pay stub with the same name and address as license or ID
- Milwaukee County ID
- VA ID
- Passport
- Debit card or credit card of another financial institution
- Military ID
Please note that social security cards, birth certificates, Sam's Club membership cards and library cards are not acceptable forms of ID for opening a new account with Landmark.

*We cannot accept the paper receipt that the DMV issues for you to use while you wait to receive your license or ID card in the mail; we will require the plastic ID card.

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Helpful Articles

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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 8/14/2025. 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.

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Checking Accounts

Landmark Checking Benefits

No Hidden Fees

34,000+ in-network ATMs

Free Visa® Debit Card

Free Bill Pay

Digital Banking

Zelle®

Credit Hub

Card Management

Rewards Checking

Premium Checking

Compare Checking Accounts

VIP Checking

Premium Checking

Rewards Checking

Choose Your Checking: Find Your Best Fit

Checking Account Rates

Account Type

Dividend Rate

APY5

Checking Frequently Asked Questions

How much money is needed to open a checking account?

What is Premium Checking?

What are your overdraft fees?

My spouse and I are both members. Do we both need to come in if we want to add a joint checking account to our existing membership?

How quickly can I access funds after depositing money into my checking account?

If a check is made payable to two people, do both parties have to sign the check?

How long from the date of issue is a Landmark Official Check good for?

How long does it take to receive checks once you've placed your order?

How do I prevent my checking account from being closed?

How do I order or reorder checks?

Digital Banking

Mobile App

Order Checks in Person

Order By Phone

Order By Mail

What is the legal age to open a checking account?

What identification is required to open an account?

Helpful Articles

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Free Visa^® Debit Card

Zelle^®

APY⁵