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