At Local 804 Federal Credit Union, we help you Bank Smarter with a Checking (Share Draft) account that’s truly FREE. Plus, you’ll have access to all the convenience services and extras that make your life easier.

Banking with us is 100% Fee Free which means there are:

  • No minimum balance requirements to worry about
  • No per transaction or service fees hiding in the small print
  • No per check changes and no monthly service fees to pay

Benefits of the Checking (Share Draft) Account:

  • Free Online Banking and Bill Pay through our Virtual Branch lets you manage your accounts and make or schedule bill payments 24/7.
  • A Local 804 Federal Credit Union Visa® Debit Card with EMV gives you the convenience of making purchases, ATM transactions, deposits and more with one card securely. Chip Cards feature an embedded microchip that provides additional protection from fraud and unauthorized use.
  • Direct Deposit ensures your pay or government check is securely deposited into your account and ready when you need it.
  • Overdraft Protection provides extra piece of mind and guards against accidental overdrafts that can be costly and inconvenient. You can apply online for an overdraft or call 718-878-4624.
  • Starter Checks.

Your money is secure:

All of your Local 804 Federal Credit Union deposits are federally insured up to $250,000 by the National Credit Union Administration, a U.S Government Agency.

For Existing Local 804 FCU members: To open your Local 804 Federal Credit Union free checking account, stop by our branch location or call 718-878-4624.

If you’re not yet a member of Local 804 FCU: Your first step is applying to become a member of Local 804 FCU. Apply here.

+ Overview

At Local 804 Federal Credit Union, we help you Bank Smarter with a Checking (Share Draft) account that’s truly FREE. Plus, you’ll have access to all the convenience services and extras that make your life easier.

Banking with us is 100% Fee Free which means there are:

  • No minimum balance requirements to worry about
  • No per transaction or service fees hiding in the small print
  • No per check changes and no monthly service fees to pay

Benefits of the Checking (Share Draft) Account:

  • Free Online Banking and Bill Pay through our Virtual Branch lets you manage your accounts and make or schedule bill payments 24/7.
  • A Local 804 Federal Credit Union Visa® Debit Card with EMV gives you the convenience of making purchases, ATM transactions, deposits and more with one card securely. Chip Cards feature an embedded microchip that provides additional protection from fraud and unauthorized use.
  • Direct Deposit ensures your pay or government check is securely deposited into your account and ready when you need it.
  • Overdraft Protection provides extra piece of mind and guards against accidental overdrafts that can be costly and inconvenient. You can apply online for an overdraft or call 718-878-4624.
  • Starter Checks.

Your money is secure:

All of your Local 804 Federal Credit Union deposits are federally insured up to $250,000 by the National Credit Union Administration, a U.S Government Agency.

+ How to get started

For Existing Local 804 FCU members: To open your Local 804 Federal Credit Union free checking account, stop by our branch location or call 718-878-4624.

If you’re not yet a member of Local 804 FCU: Your first step is applying to become a member of Local 804 FCU. Apply here.

+ Related Products/Services

Checking (Share Draft) Account

$Zero Minimum Balance
  • Unlimited check processing
  • No minimum balances
  • No monthly maintenance fees
  • Local 804 Visa Debit cards now with “Prewards”