Dividend-bearing Checking Accounts
At Ashland Credit Union, we make sure your experience is convenient, flexible, and secure.
We offer an excellent checking account service that out-performs other financial institutions.
It gives you
choices for easy and safe money management plus allows you
to earn dividends on your account balance.
With direct deposit, you can feel the security of your
payroll and government checks being deposited on time. This convenience may allow you to never have to
wait in line at the teller’s window again.
Benefits and features:
- Dividends paid monthly based upon the
daily
balance.
- No monthly maintenance costs.
- No minimum deposit required to open the account.
- Unlimited check writing privileges.
- Easy to open with a completed an Account Card.
- FREE ATM/Debit Card. A simpler, more secure way to make everyday purchases.
Use it at more than 19 million VISA® merchants worldwide. The purchase amount is automatically
deducted from your checking account. It also doubles as your ATM card.
- Surcharge-Free ATM access at approximately 3,200 Alliance One ATMs
in 33 states. Enjoy free unlimited withdrawals, transfers, and balance inquiries at ATMs displaying the
“Alliance One” logo.
- Telephone banking. Call a member service representative during our regular business hours or call
ART, our toll free Audio Response Teller, anytime.
- FREE Internet Teller (http://www.ashlandcu.org/it). Our online service is both
convenient and secure. Now you can access your accounts when and where you want. Check account balances,
view history and make transfers.
- Direct Deposit. Electronically deposit your paycheck,
Social Security, or pension payment into your account.
- Overdraft Protection services help ensure that you never bounce a check. It uses Regular Share deposits to
cover for insufficient funds, thus reducing the fee assessed and preventing a check from being returned due
to a miscalculation.
- Electronic bill payment service is secure and flexible. It reduces
the number of checks you have to write and pays your bills like clockwork. Enroll today, Bill Pay is now
FREE!
- Multiple checking accounts. One for you, one for your spouse and even one for your child. Opening a checking
account for your child helps you teach them how to manage their money.
- FREE welcome package of 50 personalized checks. The Credit union offers a wide variety of check designs. There are 150 checks in a
standard box. Since it is ACU’s policy not to return cancelled checks, all check orders will be in
duplicate form.
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Online features exclusive to ACU Checking
Accounts.
Ashland Credit Union (ACU) is not just in Ashland, KY,
we are in your home and in your office.
Access your money anytime
and from almost anywhere with ACU’s Internet Teller
and ART
(Audio Response Teller), our 24-hour telephone banking service.
With Internet Teller’s online account services you can:
- Review account balances and transactions so you can easily
keep track of your finances.
- Transfer funds between accounts and put your money where
you need it, when you need it.
- Use online member service features to
reorder checks,
order statement copies,
and more.
- Download transaction information into your financial management software such as Quicken®, Microsoft Money®,
or Microsoft Excel®.
- Pay bills online:
- Pay anyone in the U.S., set up one-time or recurring payments, and view future, past and cancelled
payments.
- Build a list of payees easily using our Payee Database
- Schedule payments up to a year in advance.
- Payments are sent automatically based on the scheduled payment date.
ACU has years of experience helping members manage their money while protecting their privacy and safety. Therefore,
security and confidentiality play a leading role in our online banking service. We have highly sophisticated encryption
procedures in place to prevent unauthorized users from reading confidential information. Following some simple guidelines
can also help ensure your privacy.
How to play it safe:
- Choose hard to guess passwords of six to eight characters with a combination of letters and numbers.
- Keep passwords to yourself. Do not tell anyone. The Credit Union will never ask for your IT password.
- Do not leave account numbers lying around where others can see them.
- Contact ACU if you have any problems or concerns.
- Use common sense.
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ATM Check Cards
Features and benefits.
- Convenience and safety. There is no need to carry
your checkbook and it is safer than carrying cash.
- Accepted at more than 19 million VISA® merchants
worldwide.
- Security. If your card is stolen, you may not be
responsible for unauthorized purchases made with
your card
(if you report the theft within 24-hours).
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