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Spend / Personal Checking

Everyday banking built around you

Pay bills and manage your money on the go with no monthly service charge. When you need help, real people are here.

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Everyday tools that make banking easier

Checking accessories that can help you spend confidently, save automatically, and avoid unexpected surprises.

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Visa® Debit Card

Pay in stores, online, or on the go directly from your Linden checking account.

  • Use your card wherever Visa® is accepted
  • Get cash at ATMs and participating retailers
  • No annual fee
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SpareCents

Round up eligible debit card purchases to the next dollar and send the difference automatically to savings with SpareCents.1

  • Build your savings without thinking about it
  • Automatic transfers to your designated savings
  • Easier to save up for your financial goals
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Overdraft Protection

Link your Linden savings to your checking for added peace of mind in case your balance ever falls short.

  • Available funds transfer from savings when needed
  • Can help prevent declined transactions or returned payments
  • Option to link a Kwik Cash line of credit for added protection
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People who put you first

Linden is owned by the people who bank here, so our member-owners are at the center of our decisions. You’ll have practical ways to manage your account, with a local team ready to help when you need it.

  • Online and mobile banking, bill pay, and mobile check deposit
  • Local help from people who take time to listen
  • Membership in a cooperative rooted in your community
  • A checking account with no monthly service charge
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From Our Community

I have been a member for more than 30 years and have always felt genuinely valued. From the beginning, the staff has been kind, friendly, and helpful, offering sound financial guidance that has benefited me over the years. Whether I have questions about my checking or savings accounts or need a loan, this is where I turn. Their genuine care for members sets them apart. Every interaction has been positive, and I am confident that my financial needs are well cared for. This level of personal service is rare, and I am grateful to be a member and appreciate the consistently outstanding service. Thank you!

  • Angela M
  • Linden CU Member

Personal checking questions, answered.

How can I get a debit card?

We can order you a debit card when you open a checking account or at any time, just let us know you’d like one.

How do I order checks?

You can order checks online, or reach out to our team if you’d like a hand. We’re happy to help.

Do I need to keep a minimum balance?

No. There is no minimum balance requirement for a Linden checking account.

How long does it take to get a debit card or a box of checks?

Debit cards and checks typically arrive within 7-10 business days after they’re ordered. If you’d like to check on an order, please give us a call.

What can I use my checking account for?

You can use your Linden checking account for everyday needs like buying groceries, paying bills, receiving your paycheck through direct deposit, and taking out cash at an ATM. Plus, our online and mobile banking make it easy to keep track of it all.

What should I do if I lost my debit card or if it was stolen?

Call 1-800-472-3272 right away to report it. A member service representative will walk you through next steps.

Wherever you’re starting, we’ll start there with you.

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1SpareCents transfers occur in real time when eligible debit card transactions are made. Each purchase is rounded up to the nearest whole dollar, and the difference is automatically transferred from your Linden checking account to your designated Linden savings sub-account. If there are insufficient funds in your checking account at the time of the transaction, the round-up will not occur. Enrollment is required. Program terms, conditions, and eligibility may change at any time without notice. Other restrictions may apply.