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Freedom Checking

No recurring monthly fees or minimum balance requirements allow more freedom for your finances.

Get more out of your finances with a Freedom Checking account from Lone Star Credit Union. Enjoy no recurring monthly fees or minimum balance requirements, along with a nationwide network of fee-free ATMs.

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No monthly fees

A checking account shouldn't cost you money. Skip the fees with Freedom Checking.

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No minimum balance

Use your money however you need without worrying about meeting balance requirements.

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Digital banking

It's easy to manage your money no matter where you are with digital banking on your phone.

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Nationwide ATMs

Get the cash you need with 55,000 free in-network ATMs and a low $3 out-of-network transaction fee.

Instant-issue debit card

Enjoy more ways to use your money with a free instant-issue debit card

Checks are so last century. When you open a Freedom Checking account with Lone Star Credit Union, you'll get a free debit card to make it easier to use your money. Even better, we'll issue your card instantly in-branch, so you don't have to wait!

Low minimum opening balance

It takes only $25 to open your Freedom Checking account

Many financial institutions have high opening balance requirements, but not us. At Lone Star Credit Union, you can open a Freedom Checking account with as little as $25, so you can get started on your journey to financial independence.

How it works

It's easy to open a Freedom Checking account from Lone Star Credit Union.

  • 1

    Open an account

    It takes only a few minutes to open a Freedom Checking account.

  • 2

    Make a deposit

    Deposit $25 into your account to get started.

  • 3

    Use your money

    Manage your account with digital banking and our mobile app.

Open a Freedom Checking account

Top questions

  • Your Member number is used when enrolling in services such as digital and mobile banking, the online payment center, and automated phone banking. It is also your main savings account number.

    Your checking account number is used for sending or receiving money through direct deposit, wire transfers, and bill-payments or for making payments online or by phone.

  • There are a few ways to find your account number:

    • your savings account number, or Member number, can be found on your eStatements in digital banking
    • your checking account number can found on the bottom of your checks after the routing number (311079869)

    You can also find your account number in digital banking. Tap or click on your checking account from the home screen, then tap or click account info (next to history), and the MICR number shown is your checking account number.

    You can also contact our Member Service Center by phone or chat to verify your Member number, checking account number, or loan number.

  • You can easily order checks whenever you need them by going to Harland Clarke’s website. When you place an order, you’ll have the option to choose your preferred style and any other needed products like checkbook registers. You can also order customized checking deposit slips if desired.

  • No, Digital Banking does not allow you to draw your account negative.

  • When you add a debit and/or credit card, the number on your cards is replaced with a secure device number referred to as a token. That token is used to submit the payment to the merchant rather than your actual card number(s).

    • You need to report a lost or stolen debit card promptly in the LSCU Cards app or by calling 866.553.2919.
    • A replacement card will be issued with a new card number.
    • Don’t forget to update any automatic payments with your new card information.
  • Yes. On the desktop version of digital banking, click the plus sign to take you to the Create a Share option.

    On mobile banking, tap the red plus sign at the bottom of the screen and then tap Create a Share to begin the process.


Have a question? Contact us

Banking doesn't have to cost you. Enjoy more Freedom in your life.

Simplify the way you manage money with no recurring monthly fees, no minimum balance requirements, and nationwide ATM access when you open a Freedom Checking account from Lone Star Credit Union.

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