Checking Accounts
Cha-Ching Rewards Checking
Turn your checking account into a money maker with Cha-Ching Rewards Checking! Earn 3.00% APY* (When qualifications are met). That's up to $25 per month that Advantage Credit Union pays you! No minimum balance. No monthly fees. In addition to a great dividend, you'll also qualify for up to $10 per month in ATM surcharge fee rebates.
Open to both new members and current members!
If you are a current member and would like to convert your existing checking account to a Cha-Ching Rewards Checking, click the link to convert your account.
If you are not a current member but would like to be, become a member now.
How to Qualify:
Make 12 debit card purchases
Login to online banking at least four times
Have one direct deposit
Have one automatic withdrawal via ACH
Enroll in e-Statements
*APY is Annual Percentage Yield. Rewards interest paid on balances $0-$10,000. Non-qualifying accounts and balances over $10,000 will receive .10% APY. Credit union membership is required in order to open any share draft/checking account. Minimum opening deposit of $20 required. The annual percentage yield may change monthly as determined by the board of directors. Fees may reduce earnings on account.
Cash Back Checking
Let the purchases you make pay you back with Cash Back Checking! Earn 1.00%* cash back on EVERY PURCHASE!! (When qualifications are met) No minimum balance. No monthly fees. In addition to cash back, you'll also qualify for up to $10 per month in ATM surcharge fee rebates.
Open to both new members and current members!
If you are not a current member but would like to be, become a member now.
How to Qualify:
Make 20 debit card purchases
Login to online banking at least four times
Enroll in e-Statements
*Maximum reward is $5 per month. Amount paid out each at the end of each month. Cash back rate may change monthly as determined by the board of directors.
Advantage Classic
Free checking, the way it should be. With no monthly fees, no per-check fees, and no minimum balance to maintain. With just the minimum opening deposit of $20.00, you can have all the benefits of a checking account with none of the hassles. Open your Advantage Classic Checking Account today!
Advantage Plus
For members who like to keep a higher balance in their checking account and earn interest, Advantage Plus allows both! Members earn monthly interest on this checking account with a minimum opening deposit of $2,000. A minimum balance of $1,000 is required to avoid a $5.00 monthly fee.
Visa® Debit Card
Google and Apple Pay Now Available!
If you have an ACU Visa Debit Card, you can now use iPhone’s Apple Pay to make your checkout experience even easier! Simply download the app through the App Store, register your card, and start purchasing.
Android users can utilize Google Pay and Samsung Pay through the Play Store.
These new payment systems are accepted at many major retailers and are expanding rapidly.
Fast and One-Step Easy…
Forget having to round up your checkbook, a pen, and two forms of ID! With VISA Debit Card, purchases are as simple as using a credit card!
Convenient and Easy to Use…
From withdrawing cash, buying some new clothes, paying for a nice dinner, or paying for gas at the pump, your VISA Debit Card is a convenience that you won’t want to do without!
All new issued check cards come equipped with the latest EMV Chip Card technology.
Two Cards in One…
You can sign for purchases anywhere Visa is accepted. You will be given a daily purchase limit at the time of your account opening. You may also enter a PIN number at numerous stores to make purchases. You may withdraw cash or make deposits via an ATM.
Your Visa Debit Card is on the SHAZAMⓇ Privileged Status ATM network. This network allows you to make withdrawals, transfer funds, and make deposits where applicable. Your Privileged Status allows you to make 10 FREE ATM transactions per month at qualifying ATMs. Find a SHAZAMⓇ Privileged Status ATM.
Debit Card Round Up
Debit Card Round Up...We Make Someday Happen!
Are you one of the many people that carry cash less often? Does your piggy bank gather dust because you don't have the spare change to fill it up? We have the solution for you!
Automatically rounds all debit card transactions requiring your PIN number to the next dollar and deposits the remaining funds into a savings account.
Allows you to save small amounts each day.
Completely FREE* service to all of our members!
Average savings of $6.27 per week, over $325 per year!
Example: You make a purchase at the grocery store in the morning in the amount of $2.90, then purchase lunch for $6.20, followed by another purchase in the amount of $24.50. That evening, $1.40, the leftover change from all three transactions, will be deposited into your savings account.
*Free service to all members with active checking account with debit card.
Fraud Prevention with Brella
If you could stop fraud in its tracks, at the very first attempt of someone else trying to use your card, wouldn’t you want to do it? Of course you would! You can do just that with the Brella™ app.
Brella is a free mobile app that helps protect you from fraud by sending alerts when your card is used so you can quickly detect unauthorized activity. You choose which alerts to receive and when. Alerts include:
Purchases exceeding thresholds you set
Purchases made via the internet or over the phone
Suspicious or high-risk purchases
If you receive an alert, you can quickly take action to prevent fraud.
With Brella, you can also:
Turn your debit card off or on. This is great if you misplace your card!
Send money to virtually anyone
Check your account balance without logging in with the Quick Balance feature
Find nearby ATMs
Submit travel notices
Log in with just your fingerprint
Use the Brella App along with the ACU Mobile App for increased protection against fraud.
Visit your app store and search for “Brella Card Manager” to download now.
Free Bill Pay Included
Looking for an easy way to simplify your life? EasyPay Bill Payment can help you do just that. With our Bill Pay service, you can receive and pay your bills online with a click of a mouse or a tap of your touchscreen. Pay any bill, including your house payment, your utilities company, even your babysitter at any time, from anywhere. Just click the "Pay Bills" button once you're logged in to It's Me 247.