Checking Accounts

Free Checking Accounts in Merrillville, Valparaiso & Portage, Indiana

Stop paying high checking account fees—bank smarter and locally with US #1364 Federal Credit Union, proudly serving Lake and Porter County residents since 1936. Our no-cost checking accounts make managing your money simple, secure, and stress-free.

Why Choose US #1364 Federal Credit Union for Your Checking Account?

Experience Free Banking

• Free ATM & Debit Card: Access your money easily at ATMs throughout Northwest Indiana.

• Free Lifetime Checks: Never worry about running out of checks.

• No Monthly Service Fees:Keep more of your money—no hidden fees, ever.

• Unlimited Check Writing: Write as many checks as you need without restrictions.

Convenient Digital Services

• Free Online Banking: Manage your account with ease from your computer.

• Free Mobile App: Bank on the go—deposit checks, transfer funds, and check balances instantly.

• Free Online Bill Pay: Pay bills securely from your Indiana credit union checking account.

Hassle-Free Banking

• No Minimum Balance: Stay flexible with your funds.

• Courtesy Pay: Added peace of mind for accidental overdraws.

• 24-Hour Telephone Access: Get account info anytime you need.
  

Join a Local Credit Union That Cares

At US #1364 Federal Credit Union, you’re more than a customer—you’re a member-owner. We proudly serve Lake and Porter county residents, with branches in Valparaiso, Portage, and Merrillville, helping neighbors reach their financial goals with personalized service and competitive rates. Become part of a community that values your financial well-being, Join Now!

Visit One of Our Northwest Indiana Branches

• Valparaiso - 334 W. US HWY 30 • Valparaiso, IN 46385
• Valparaiso Meijer In-Store - 405 Porters Vale Blvd. • Valparaiso, IN 46383
• Portage - 3275 Airport Road • Portage, IN 46368
• Merrillville - 8400 Broadway • Merrillville, IN 46410

Call: 219-769-1700 | Serving Lake & Porter Counties Since 1936

Frequently Asked Questions

What do I need to open a checking account?
You'll need a valid ID, proof of address, and an initial deposit of any amount to open an account.

Are there any hidden fees?No! We pride ourselves on transparency. There are no hidden fees with our checking accounts.

Can I access my account from my phone?
Absolutely. Our mobile app is available for both iOS and Android, making it easy to access your account anywhere.

Ready to Switch?

US #1364 Federal Credit Union and experience the freedom of local, fee-free checking.
Start banking with a credit union that puts Indiana members first.