Checking & Debit Cards

XCEL Federal Credit Union is taking care of you! XCEL offers a FREE Checking Account with no minimum balance and a FREE VISA® CheckCard. Our Checking Accounts earn dividends. We accept Direct Deposit from your paycheck and can also provide Overdraft Protection (also known as Courtesy Pay).

CHECKING with a FREE VISA® CheckCard

  • No monthly service charge
  • No minimum balance required
  • No per check charges
  • No limit on how many checks you can write
  • No transaction fee when you make ATM withdrawals at XCEL branches
  • FREE VISA debit card
  • FREE Online banking
  • FREE Bill Pay service
  • FREE Touchtone Phone banking
  • FREE Mobile Phone banking



Due to the inclement weather XCEL Federal Credit Union will have a delayed opening at 10am on Thursday, March 22, 2018. We apologize for any inconvenience this may cause but please feel free to use our mobile app or web banking services to access your account. Thank you and have a safe day! Learn more