Personal Checking Accounts
Checking Account - Share Draft Checking
- $0/min. deposit
- Dividends paid monthly based upon daily balance
- Accessible at 30,000 ATMs nationwide
- Overdraft protection services
- Custom debit cards available ($20)
- View current rates.
Christmas Checking Bundle - Preferred Product
- $0/min. deposit
- Earn up to $0.20*/swipe in Christmas Cash all year when you bundle your Christmas Club with your ACU Checking Account.
- Each time you swipe your ACU debit card and run the transaction as “credit”, we will add $0.20 to your Christmas Club account (See below for limits. Offer expires 10/31/23).
- No restrictions on when contributions can begin.
- Plus, earn regular Christmas Club dividends. View current rates.
Rates
| Account Type | Dividend Rate | *A.P.Y. | Dividends Compounded | Dividends Paid |
|---|---|---|---|---|
| $0 to $499 | 0.000% | 0.00% | Daily | Monthly |
| $500 to $9,999 | 0.100% | 0.10% | Daily | Monthly |
| $10,000 to $49,999 | 0.200% | 0.20% | Daily | Monthly |
| $50,000 to $99,999 | 0.400% | 0.40% | Daily | Monthly |
| $100,000+ | 0.500% | 0.50% | Daily | Monthly |
| *A.P.Y. = Annual Percentage Yield. The dividends are variable rates, compounded daily and paid monthly. A minimum balance of $500 is required to earn dividends. Rate may change after the account is opened. Fees may reduce earnings on the account. | ||||
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Terms & Conditions:
*Christmas Cash Bonus Program runs from 11/1/2021 thru 10/31/2022 and is open to memberships with both an ACU checking account and an active Christmas Club account. Each signature-based or “credit” point of sale transaction made with your ACU debit card while both accounts are open qualifies for the deposit bonus. Deposit bonuses are credited at $0.20 per qualifying transaction for the first 25 transactions made per month, $0.10 per transaction thereafter. Christmas Club accounts are considered active for this program if they have a balance over $1,000 or have received non-bonus deposits totaling at least $30.00 each quarter. Christmas Cash is credited once per quarter in Feb, May, Aug, & Nov. An early withdrawal fee of $25.00 is charged on any withdrawal made from the account prior to the November 1 payout. Terms and conditions subject to change without notice.