Checking & Debit from AmeriCU Credit Union - Join today! 800.388.2000

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

AmeriCU Checking Accounts

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

Open your account today.

View current checking rates.

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

Open your account today.

View current checking rates.

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

Open your account today.

View current checking rates.

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

Open your account today.

View current checking rates.

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

Open your account today.

View current checking rates.

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.

Learn more about FLEX.

View current checking rates.

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.

View current checking rates.

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

View current checking rates.

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

Middle-aged woman at home connected on smartphone and laptop

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

Join AmeriCU today!

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Need More Checks?

To Reorder:

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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.