The AmeriCU Difference

At AmeriCU, we believe in connecting you with the right solutions to achieve your goals. 

  

We know you have options when it comes to checking accounts, so make the most of your spending when you choose an AmeriCU Checking Account! Whether you’re looking for free checking, an account that earns dividends, or even a fresh start, AmeriCU has a checking account option for you! Our AmeriCU Checking Accounts feature:

  • VISA® Debit Cards Issued Instantly in all Financial Centers
  • Access to more than 30,000 surcharge-free ATMs nationwide
  • 5,000+ shared branching locations
  • Zero fraud liability
  • Global Acceptance of VISA®
  • Online, Mobile Banking and Bill Pay
  • Direct Deposit
  • Access to Mobile Smart Deposit
  • Overdraft Protection
  • Local Convenience and Service of AmeriCU
  • Contactless Visa® Debit Cards
  • Easy Transaction Disputes
Checking Accounts with Debit - AmeriCONNECT Debit Card

The benefits of AmeriCU Checking Accounts:

  • Visa® debit cards issued instantly at every AmeriCU
  • Access to more than 30,000 surcharge-free ATMs nationwide
  • 5,000+ shared branching locations
  • Zero liability from fraud

Freedom Checking

An economical, convenient checking package designed for members who use their account primarily to pay bills.

  • No minimum balance
  • No monthly fees
  • No per check charges
  • Debit card and ATM access

Performance Checking

Our interest bearing checking package designed for members who want to earn dividends.

  • Earn dividends when you maintain an average daily balance of $2,500 or more
  • Debit card and ATM access

Prestigious Checking

Our tiered rate, interest bearing checking package designed for members who maintain higher balances.

  • Earn dividends when you maintain an average daily balance of $5,000 or more
  • Enjoy 6 non-AmeriCU ATM fees refunded per month
  • Debit card and ATM access

Privileged Checking

Our checking package designed for members age 50 & over.

  • Earn dividends when you maintain an average daily balance of $500 or more
  • Debit card and ATM access

IQ Checking

This checking account is designed for students who are just getting started.

  • NO minimum balance
  • NO monthly fees
  • Debit card and ATM access

FLEX Account

More than just checking. Flex is a relationship-based account perfect for the member on the go who rarely visits a Financial Center. Features: A savings and checking Account with:

  • Direct Deposit*
  • Online Banking*
  • eStatements*
  • A Debit Card*
  • ATM rebates
  • Share Certificate Rate Enhancements
  • Loan Rate Discounts
  • Convenience Services including Bill Pay, Smart Deposit, and more.

Fresh Start Checking**

If you’ve had trouble managing a checking account in the past, this package is designed to get you back on the road to financial health. Options available:

  • Fresh Start Checking, or
  • Fresh Start Basic
  • Debit card and ATM access

Visit your local Financial Center to get started.

Health Savings Account (HSA)

Available to qualified members (those enrolled in a High Deductible Health Insurance plan).

  • Make tax-deductible contributions into your single or family account
  • Accumulate tax-deferred earnings and withdraw funds tax-free for qualified medical expenses
  • Earn dividends on account balances of $25 or more
  • Roll over funds from year to year (and help establish a long-term investment alternative)
  • Debit card and ATM access
Let's Connect

Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!

You may also be interested in

Feature Image

Credit Cards

Powered by Visa®, AmeriCU cardholders enjoy competitively low rates, no annual fee, and some pretty great benefits.

Feature Image

Money Markets

High earning potential and greater flexibility make Money Markets a great, low-risk choice for building savings. It’s like a Share Certificate except you can keep making deposits into the account.

Feature Image

Online + Mobile Banking

Access your accounts from your desktop or mobile, without ever having to visit a Financial Center, and take advantage of a variety of eServices!


Latest From AmeriCU

Zoo Mobile AmeriCU

News

Sep 25, 2023

AmeriCU Credit Union invests in community engagement with Zoo New York’s Mobile  

AmeriCU Credit Union is excited to announce its support of Zoo New York’s Mobile to bring the wonders of the animal kingdom directly to our community. The Zoo Mobile offers a wide variety of educational experiences that allow the zoo to come to you.  

CMN Drawing

Events

Oct 04, 2023

$100,000 Miracle Drawing to benefit CMN Hospitals at MVHS

Each year AmeriCU is a proud supporter of the $100,000 Miracle Drawing to benefit CMN Hospitals at MVHS which helps sick and injured children in our community.

Credit Scores and Reports

Education

Sep 18, 2023

Credit Scores and Reports

Your credit can have a big impact on your financial life. Credit scores and reports provide a snapshot of the financial habits that financial institutions, cell phone companies, credit card companies, and others use to get a sense of your creditworthiness.

*These products and services are required for this account type.

**Fees and restrictions apply. For more information and eligibility requirements, visit your local Financial Center today.