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




Effective June 4, 2018, XCEL's Federal Plaza & Call Center will be open Monday - Friday from 9am - 5pm ET. The Journal Square branch will have the same hours EXCEPT for Thursdays where we will be open from 9am - 6pm ET. Sorry for the inconvenience and we appreciate your membership!