New! Rewards Checking
Let’s turn your debit card swipes into some pretty great rewards! When you open a new AmeriCU Rewards Checking account, you’ll earn rewards for every $5 spent!* You can redeem those rewards at checkout, for merchandise, even unlimited cash back! All you need is to:
PLUS, if you establish a qualifying direct deposit from your part- or full-time job, you’re eligible to receive your paycheck one business day early!**
In Your Neighborhood
We’re proud to serve the Syracuse community and members across 24 counties in New York State. So, when you’re off campus for the summer or winter break, you’re never far from AmeriCU’s field of membership!
We’re honored to be part of:
Broome, Cayuga, Chenango, Clinton, Cortland, Essex, Franklin, Fulton, Hamilton, Herkimer, Jefferson, Montgomery, Lewis, Madison, Oneida, Onondaga, Oswego, Otsego, St. Lawrence, Schoharie, Seneca, Tioga, Tompkins, and Wayne counties.
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Student Loans and Lending Solutions
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6-Month Share – 4.00% APY***
A short-term savings option with one of our highest rates! Make the most of the next six months – you’ll be surprised how much you’re able to save in so little time.
Real Connections Matter
AmeriCU has everything you need to connect you where you are with where you want to be.
Questions? Click the ‘Let’s Connect’ button in the bottom right-hand corner to get started!
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*AmeriCU Rewards Checking Account Disclosures
To earn rewards from AmeriCU’s Rewards Checking account, members must:
1. Make 12 or more debit signature swipes per monthly statement cycle;
2. Be enrolled with eStatements.
Qualifying debit card sales transactions include each time you use your AmeriCONNECT Visa Debit Card to make a purchase from a vendor or merchant. These transactions must post and clear your account during each monthly payment cycle. ATM and ACH transactions or transfers do not qualify. If you don’t meet the requirements outlined above, you will not earn the rewards.
Our monthly statement cycle ends on the last day of each month and statements are generated on the first day of each month. There are no rollover transactions. There is no minimum balance required to open or maintain this account. There is no monthly fee. Fees could reduce earnings. There is a limit of three AmeriCU Rewards Checking accounts allowed per member. Courtesy Pay is available to those who qualify.
**If you are an AmeriCU Checking, Savings or Money Market accountholder that has set up a direct deposit with a payor, you may qualify for direct deposit one business day early. Whether a direct deposit is eligible is at our discretion and we cannot guarantee that you will always receive the one-day early service.
***Annual Percentage Yields (APYs) current as of 12th May 2026 and are subject to change without notice. Minimum balance of $500 required. Withdrawals of principal are subject to early withdrawal penalties. The Dividend Rate and Annual Percentage Yield are fixed and will be in effect for the initial term of the account. Membership eligibility required. Insured by NCUA.