Freedom Checking Accounts
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® Checkcard
- 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
- Smart Deposit - with AmeriCU’s Smart Deposit you can deposit your checks safely and securely with your smartphone from anywhere, saving you a trip to a Financial Center, BIG BLUE Kiosk or ATM.
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 owned ATMs
- FREE Visa® Debit Card
- FREE Online Banking with Bill Pay
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 $5.00 monthly minimum balance fee. (If, in any month, the average daily balance falls below $1,000, your account will be assessed a $5.00 monthly minimum balance fee.)
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 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.
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.