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



FRAUD ALERT!!! Please be aware that some XCEL members have received a phone call from the number 888-258-5060 claiming to be from XCEL's credit card or debit card Fraud Division. Our Fraud Division will NEVER ask you for your account number!