AmeriCU Rewards Checking
Your membership with AmeriCU deserves one of the best checking accounts we have to offer, with access to some pretty great rewards!
- No minimum balance to open
- No monthly fee
- Earn 1 point for every $5 spent
- eStatement enrollment required
- 12+ debit swipes/month required to qualify for rewards .
- ATM rebates available
- No limit on cash back reward
- Qualifies for direct deposit one day early
Shared Branching + Fee-Free ATMs
Bank easily, wherever you may be. Our network of 5,000 Shared Branches coast-to-coast makes it easy to transact on your accounts as if you were right at your regular AmeriCU location. Plus, with access to 30,000 surcharge-free CO-OP ATMs nationwide, your money is never far from where you need it.
Helpful Tools & More
The AmeriCU App
Enjoy the convenience of banking at your fingertips. The AmeriCU app offers everything you need to manage your money easily and securely – become a member then get started!
Teaching Kids to Budget
Credit Cards
Powered by Visa®, AmeriCU credit card holders enjoy competitively low rates, no annual fee, and some pretty great benefits.
Student Loans
AmeriCU is proud to partner with Credit Union Student Choice in offering our members a valuable student lending solution.
First-Time Car Buyer Program
We’re here to get you on the road to financial success with our First-Time Car Buyer Loan Program, designed to help you secure financing and successfully build your credit.
Share Certificates
Earn as much as possible on your money with two term options for your short- or long-term savings goals.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
Latest From AmeriCU
News
What Does AmeriCU’s Field of Membership Expansion Mean for Members?
AmeriCU’s recent Field of Membership expansion into 27 additional New York counties creates new opportunities to increase convenience, access, and community investment for current and future members. The growth supports continued investments in technology, security, member services, and local partnerships while maintaining AmeriCU’s commitment to personalized service and financial success.
Events
Johnson Park Center Back-to-School Event – August 21, 2026
The Annual Back-to-School Giveaway at the JPG Community Center provides backpacks filled with school supplies, dental hygiene items, and additional food support to local families. Held alongside the organization’s weekly food pantry, the event serves children and families across Oneida, Herkimer, Otsego, Madison, and surrounding counties, with a goal of assisting 2,500 students in 2026.
Education
Creating a Budget for Back-to-School Shopping
This course teaches the fundamentals of creating and managing a budget so you can better understand your income, expenses, and spending habits. By applying these budgeting strategies to back-to-school shopping, you can maximize your money and stay on track with your financial goals.