Personal Checking Accounts
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 10/31/26).
- No restrictions on when contributions can begin.
- Plus, earn regular Christmas Club dividends. View current rates.
Checking Account - Share Draft Checking
- $0/min. deposit
- Dividends paid monthly based upon daily balance
- Accessible at 30,000 ATMs nationwide
- Overdraft protection services 1
- Custom debit cards available ($20)
- View current rates.
Rates
| Minimum Amount to Earn Dividends | 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:
*The Christmas Cash Bonus Program runs from 11/01/25-10/31/26 and is open to memberships with both an ACU Checking account and active Christmas Club account. Each signature-based or 'credit' point of sale transaction greater than $1.00 made with member's 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 and $0.10 per transaction thereafter. Christmas Cash Bonus terms require non-bonus deposits totaling at least $10 each month or an average balance of $1,000 in a Christmas Club account to be considered active. Christmas cash is credited once per quarter in February, May, August, and November. (Christmas Cash Bonus Program 2026 expires October 31, 2026. All qualifying transactions must be posted by October 31, 2026, to qualify for November Christmas Cash payout). An early withdrawal fee of $25 is charged on any withdrawal made from the account prior to the 11/01/26 payout. Early withdrawal fees may reduce earnings. Terms and conditions subject to change without notice. Membership required.
1 Overdraft Protection Services- Fees for overdrawing the account may be imposed on each check, draft, item, ATM transaction and one-time debit transaction (if you have consented to overdraft protection for ATM and one-time debit card transactions), debit card point of purchase, preauthorized automatic debit, telephone-initiated withdrawal or any other electronic withdrawal or transfer transaction that is drawn on an insufficient available account balance. The entire balance in the account may not be available for withdrawal, transfer or paying a check or item. You may consult the Funds Availability Disclosure for information regarding the availability of funds in the account. Fees for overdrawing the account may be imposed for each overdraft, regardless of whether we pay or return the check, draft, item, or transaction. If we have approved an overdraft protection limit for the account, such fees may reduce your approved limit. For ATM/ITM and one-time debit transactions, you must consent to our overdraft protection service (Courtesy Pay) in order for the transaction amount to be covered. Without your consent, we may not authorize and pay an overdraft resulting from these types of transactions. Account must become positive in balance within 30 days, or the member account is no longer eligible for overdraft protection services (Courtesy Pay). Courtesy Pay Overdraft fees are $10.00 per item if item amount is less than $25.00, and $25.00 per item if the amount is greater than $25.00. See Truth in Savings Disclosures for full disclosure and Rate and Fee information.