Easy, Everyday Access to Your Money

At Local 804 FCU, we don’t believe in charging you a monthly fee to access your money and buy the things you need. That’s why our Checking Account is 100% Free, with no minimum balance requirements, no per-transaction fees, no per-check charges, and no monthly service fees. Even the debit card is free. Plus, we’ll throw in a stack of starter checks.

Open Checking Account  Learn About Overdraft Protection Contact Us

Open a Checking Account

Open your Local 804 FCU Checking Account and access your finances with Online Banking and Mobile Banking, pay bills with Bill Pay, and set up direct deposit to ensure your pay or government checks automatically find their way to your account.

Get a Debit Card
When you open a Local 804 FCU Checking Account, you also get a Visa® debit card with EMV technology for added protection from fraud. Use your debit card to access cash at over 55,000 ATMs, or get cash-back with your groceries. You can also make cash deposits* up to $1,000 at Allpoint PLUS ATMs.  Plus, it’s a convenient way to pay for everything. Whatever it is you buy will appear in minutes in Online Banking and Mobile Banking, making it easy to stay within your budget and see where your money is going.

Access Thousands of ATMs
Looking for an ATM? Our debit cards work with the Allpoint Network throughout the U.S., Canada, United Kingdom, Puerto Rico, Australia, and Mexico. You’ll find Allpoint ATMs at the places you shop already, including Walgreens, Target, CVS Pharmacy, Chevron, McDonald’s, and Dunkin’ Donuts. Find an Allpoint ATM near you with our online map and smartphone app for Android and Apple phones and devices.

Get Overdraft Protection
We all make mistakes. It’s part of being human. That’s why we offer overdraft protection as a courtesy service to watch over your checking account 24/7.  You can apply online or call us at 718-878-4624.

Choose Your Checks
Getting a fun, new box of checks is easy at Local 804 FCU. We work with Mainstreet, a check provider to get your box of checks delivered fast and affordably.

Have questions or need help? Give us a call at (718) 878-4624.



*ATM cash deposits at Allpoint PLUS ATM machines only. The daily ATM cash deposit limit is $1,000.