![Logo](https://www.lcfcu.org/wp-content/themes/ncr-child-theme/images/img-logo.png"){kind=logo}
![Logo](https://www.lcfcu.org/wp-content/themes/ncr-child-theme/images/img-logo-icon.png"){kind=icon}
Free Checking That’s Really Free
At the Library of Congress Federal Credit Union when we say free, we truly mean it.
Dare to Compare our Free Checking Rates Open Yours Order Checks
Get More from Your Checking
You’ll get everything you need from a Library of Congress FCU Checking account. That includes earning dividends, a Visa Debit Card, no monthly balance requirements, unlimited check writing, surcharge-free access to over 80,000 ATMs worldwide, no per-check charges, and more.
- 10 FREE transactions at non-Library of Congress FCU ATMs per month
- Online Banking with eStatements
- Mobile Banking with Mobile Check Deposit (smartphone or tablet)
- Direct deposit
- Anytime budgeting and financial management advice
How to Direct Deposit Your Tax Refund
The IRS uses direct deposit to electronically issue tax refund payments directly into taxpayers’ financial accounts. To get your refund deposited directly into your account, select the direct deposit option when prompted by the tax software you use. You will need to enter your full MICR Number which consists of your LCFCU account number where you want the refund deposited and the LCFCU Routing & Transit Number — 254074837.
Where to find your full LCFCU MICR account and Routing & Transist Numbers? The full MICR number can be found on your LCFCU checks. The routing number is the nine-digit number in the bottom left corner. LCFCU’s routing number is 254074837. Your account number is the number directly to the right of it.
Get Fast Easy Access with a Visa Debit Card
A Library of Congress FCU Visa Debit Card simplifies access to your funds with a direct connection to your checking account, surcharge-free access to over 80,000 ATMs worldwide, 10 free foreign ATM transactions per month, and easy record-keeping.
- Available to members as young as ages 16 and 17 with a parent or guardian as joint owner
- Enjoy contactless tap and pay
- Up to $500 is available for combined ATM and point-of-sale activity per day (daily limit excludes credit transactions)
- Skip the ATM and use your card to get cash back at your favorite store/merchant
- Use your card to access a pre-approved line of credit for extra purchasing power
- Let us know before you travel. Call 1-800-325-2328 so your card will work as expected on your next vacation. Report your card lost or stolen at 1-800-472-3272
Set Your Teen on a Path to Financial Wellness (13 through 21)
Help a young person in your life learn financial responsibility with our Young Adult Account. They’ll get access to products and services to help prepare them for a lifetime of successful financial management.*
- Personal Visa Debit Card is available to members as young as 16 and 17 with a parent or guardian as joint owner and/or those age 18 and older.
- Personal and vehicle loans
- Fixed-rate, no annual fee Visa Credit Card
- Free money orders
What Members Are Saying
“Although I no longer live in the DC metro area I listened to advice from my friends and kept my LCFCU Account open. I saved $525 monthly by consolidating credit cards from other financial institutions.“
M.B., member since 1993
Featured Products and Services
Get Member Privilege® Overdraft Protection Today
Ensure your transactions aren’t denied with a line of credit or other account.
Access The Money You Need, When You Need It
Apply today and add a line of credit to your financial life. We make it quick and easy.
Protect Your Cards With Verified by Visa
Register your card with Verified by Visa to protect every online purchase.