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At Ashland Credit Union, we embolden our members to achieve their financial goals. Along life’s journey, you can count on us for guidance as you strive for financial wellness.

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Home > Personal > Spend > Personal Checking Accounts

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.

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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 10/31/24).
  • No restrictions on when contributions can begin.
  • Plus, earn regular Christmas Club dividends. View current rates.

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Effective Date: Tuesday, May 21st, 2024
Account TypeDividend Rate*A.P.Y.Dividends CompoundedDividends 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:

1 Exciting new enhancements to our Christmas Cash Bonus Program. The new terms will begin starting 11/1/2023 and will require non-bonus deposits totaling at least $10 each month instead of $30 every 3 months or a minimum balance of $1,000 in a Christmas Club Account to be considered active to qualify for the Christmas Cash Bonus Program. For any questions or concerns about this change, contact Ashland Credit Union (ACU) at 800.245.8112 or visit your local branch. For the full disclosures of our Christmas Cash Bonus Program, see below.

The Christmas Cash Bonus Program runs from 11/1/2023 thru 10/31/2024 and is open to members with both an ACU checking account and an active Christmas Club account. Each signature-based or “credit” point of sale transaction greater than $1.00 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 of $1,000 or more at the end of the month or have received non-bonus deposits totaling at least $10.00 each month. Christmas Cash is credited each month based on the prior month’s activity. 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.