AmeriCU's checking services are designed to be easy and flexible with your needs in mind.

All of our checking services include the following benefits:

• Free 24-hour telephone and online access
• No-fee Visa check card
• No-fee access to AmeriCU owned ATMs
• No per check fees
• Unlimited check writing
• Check safekeeping
• Online images to view front and back of cleared checks
• Access to surcharge-free ATMs
• Member Privilege overdraft protection for your checking account

*NEW! myDeposit is an online banking service that allows eligible members to deposit checks online up to an accumulative total of $1,500 or $500 depending on the member's 30 day average balance, which is then instantly deposited into your checking or savings account.

Freedom Checking
Freedom Checking is designed for members who use their checking account primarily to pay bills and are looking for an economical, convenient checking package. No minimum balance requirement.

One of our accounts is called iQ Checking and it's designed for students age 18-25. This checking account is designed for our student members getting started in the world of finance. NO minimum balance, NO monthly fees, NO check charges FREE ATM access at AmeriCU ATMs FREE Visa® Debit Card FREE Online Banking with Bill Pay

Performance Checking
Earn dividends, compounded and paid monthly, when you maintain an average daily balance of $2,500 or more. Maintain an average balance of $1,000 or more and save the $4.00 monthly minimum balance fee. (If, in any month, the average daily balance falls below $1,000, your account will be assessed a $4.00 monthly minimum balance fee.)

Privileged Checking
For AmeriCU members age 50 or better, Privileged Checking offers you an outstanding package of services. Best of all, there are no fees! Earn dividends, compounded and paid monthly, when you maintain an average daily balance of just $500 or more.

Plus, Privileged Checking members receive: Free checks (up to 150 per order, in our US exclusive design). No-fee AMEX Travelers Cheques Discounts on AMEX Gift Cheques and TravelFunds Direct Services. See our Service Fee Schedule for a list of additional discounts and services.

Prestigious Checking
Using Direct Deposit, this plan makes the most of your bill-paying money and pays you dividends on your balances while it saves you monthly fees. This is a tiered rate checking account. Earn dividends, compounded and paid monthly, when you maintain an average daily balance of $5,000 or more. Maintain an average balance of $5,000 or more and save the $10.00 monthly minimum balance fee. (If, in any month, the average daily balance falls below $5,000, your account will be assessed a $10.00 monthly minimum balance fee.) Reimbursement of up to 6 Non-proprietary ATM fees per month.

Qualified members, who are covered by a High Deductible Health plan, can take advantage of AmeriCU's HSA Checking. A member is able to make tax-deductible contributions into their account, accumulate tax-deferred earnings and withdraw funds tax-free for qualified medical expenses. Further, eligible account balances of $25 or more earn dividends which are compounded and paid monthly. Benefits include being able to have the funds rollover from year to year and in doing so help the member establish a long-term investment alternative. We are pleased to offer this as either a single or family checking option.

Free VISA® Check/Debit Card
Instead of writing a check to pay for groceries, shopping or anything else, you can use your AmeriCU VISA® Check/Debit Card. It works like a check and can be used wherever VISA® is accepted. Instead of using credit, you’re paying with funds directly from your checking account. You can also use your VISA® Check/Debit Card to get instant cash at thousands of ATMs.

• Login to your account to order checks
• Service Fee Schedule
• Truth-in-Savings Disclosure (Savings & Checking Accounts)
• Truth-in-Savings Disclosure (Certificate Accounts)
• Member Privilege Disclosure
• Membership and Account Agreement
• Business Membership and Account Agreement
• Electronic Funds Transfer Agreement and Disclosure
• Funds Availability Policy
• Privacy Notice

Click here for current rates.

This credit union is federally insured by the National Credit Union Administration.