Checking & Debit
Checking & Debit from AmeriCU... Wherever you are
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
Tap, pay, and be on your way! Now offering contactless cards for a faster, touch-free way to pay that provides even greater security when checking out at the register. We’ll automatically issue you a contactless card when your current AmeriCU Visa® Debit Card expires.
Easy Transaction Disputes
Questionable purchase on your card? You can now file a transaction dispute directly through Online + Mobile Banking. To do so, simply click ‘More’ in the bottom right-hand corner of the app and find the ‘Transaction Disputes’ feature at the top of your screen. You’re automatically enrolled in this feature.
AmeriCU Checking Accounts
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 VISA® 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. Find your Financial Center.
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
Manage Your Checking Account
AmeriCU provides you with all you need to manage your account any time of day. Log in to online banking.
Protect Yourself
Fraud Alerts
AmeriCU is here to help keep you safe by contacting you through a text or a phone call when there is a suspicious debit card transaction. You can immediately take action by texting a provided command word, or interacting with the automated system on the phone.
Keeping us updated with the most up to date contact information helps us protect you. We are here to assist you so you receive the best defense when you need it.
Notify Us When You Travel
Before you go, let us know! Contact us online or by phone at 800.388.2000 and let us know where and when you will be traveling. This will help ensure that your card is not flagged for unusual activity.
Sign Up for Transaction Alerts
AmeriCU Transaction Alerts allow you to monitor your account activity with real-time notifications via text message or email. Set up automated notifications about your account, including alerts for:
- Low Balance
- Loan Payment Due
- Withdrawals
- Daily Summaries and more!
Payments Made Simple
Bill Pay
Pay bills from your checking account to virtually any payee you choose:
- credit cards,
- loans,
- or even your childcare provider.
You can also schedule future or recurring payments.
Log in to online banking or sign in to the AmeriCU app now and give it a try!
Smart Deposit for Mobile
With AmeriCU’s Smart Deposit you can deposit your checks safely and securely with your smartphone from anywhere – just by taking a picture! Smart Deposit is a feature within the AmeriCU Mobile Banking app. Available in the App Store and on Google Play.
Debit Card Limit Increase
You can request a temporary debit card limit increase through online banking or by calling 800.388.2000.
More from AmeriCU
Open an Account Today!
Apply online or visit a Financial Center. You’ll need:
- Proof of Identity (like your driver’s license)
- Proof of Residency (if your address isn’t the same as your driver’s license)
- $0.01 initial deposit
Need More Checks?
To Reorder:
- Call 877.838.5287
- Order online through Online Banking. Log into your online banking account and choose Check Reorder under Checking Information.
What’s Shared Branching?
Co-op Shared Branching Centers are a cooperative effort by participating credit unions. They are branch offices, much like an AmeriCU Financial Center, where you can make deposits, withdrawals, balance inquiries, transfer money between accounts, cash checks, buy money orders, and more. Find your nearest AmeriCU Co-Op Shared Branch location.
*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.