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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 10/31/23).
  • No restrictions on when contributions can begin.
  • Plus, earn regular Christmas Club dividends. View current rates.

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Effective Date: Sunday, May 28th, 2023
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:
*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.