Free Checking

Your financial foundation

Why open a checking account with XCEL?

Financial stability is a big part of life. XCEL has the tools and services that help the money side of your life work as smoothly and successfully as possible. 

  • No monthly service charge, minimum balance requirement or per-check charge
  • Free access to Online and Mobile Banking with Bill Pay, plus 24-hour Telephone Banking 
  • Overdraft protection services available


XCEL FCU is a credit union serving members in New Jersey, New York and across the country.