ACU checking accounts come with mobile banking, eStatements, eAlerts, eNotices, Online BankingOnline Bill Pay, ability to download account history into Quicken & QuickBooks, and phone teller service. Plus, you now have the option to customize your ACU Visa Debit Card! Learn more about ACU checking options below.

Affinity Plus Checking

Affinity Plus earns 2.00% APY* PLUS 10¢ back every time you use your debit card PLUS essential insurance. Why pay $13 dollars a month for cell phone coverage and another $10 per month for identity theft when we can use ACU’s cooperative buying power to get it all for $7 per month.

Here’s what you get with Affinity Checking Plus:

  • 2.00% APY* on your checking account on amounts up to $25,000
  • 10¢ back every time you use your debit card ($5 minimum)
  • Cell phone repair coverage
  • Identity theft coverage
  • Reimbursements on ATM surcharges, nationwide ($10 maximum)

How does it work? Simple! Each month you need to:

  • Have 15 debit card transactions post to and clear your account monthly
  • Log onto ACU Online or ACU Mobile App at least once
  • Be signed up for and receive e-statements

Learn About Affinity Plus

Looking to switch to an ACU account? Switch to America’s Credit Union with ClickSwitch

Affinity Premier Checking

Affinity Premier checking is a tiered rate checking account with no monthly service charge.

Here’s what you get with Affinity Premier Checking

  • No monthly fee or minimum to maintain
  • Market rate dividends paid on balances $5,000 or greater with direct deposit.
  • Free box of checks annually
  • ID Theft protection

Looking to switch to an ACU account? Switch to America’s Credit Union with ClickSwitch

Teen Checking

There’s nothing minor about it.

Who says you have to be over 18 to need a checking account? If you’re between 13 and 17, we have a checking account especially for you. ACU Teen Checking features many of the benefits of ACU checking while providing an excellent way to learn financial literacy.

With a qualified member 18 years or older as a joint owner on your accounts and a Teen Savings Account, you can start your Teen Checking account. You’re issued your own debit card which you can use to make purchases and pay bills. You’re also able to use online and mobile banking to track deposits, withdrawals, purchases and fees.

Contact ACU for more information or to open an account.

ACU’s Teen Account is Top Rated Nationally by NerdWallet.

Opportunity Checking

This is the perfect account for re-establishing your financial health. While Opportunity Checking has a monthly fee, you choose the amount:

  • $8.95 per month when you have Direct Deposit of your entire payroll, pension, or Social Security check (at least $500 per month) to your checking account


  • $10.95 per month without Direct Deposit to ACU

Opportunity Checking features:

  • No minimum balance requirement
  • Unlimited check writing
  • Free mobile banking and mobile deposit
  • Free and unlimited use of ACU Debit Card
  • Free Online Banking and Bill Pay
  • Free and unlimited use of ACU ATMs
  • Use of nearly 30,000 surcharge-free ATMs nationwide
  • Free eStatements
  • 10 free non-credit union owned ATM withdrawals per month
  • You can advance to another checking account type after you have 12 consecutive months with less than 12 Non-Sufficient Funds (NSFs) notices.

Contact ACU or visit an ACU Branch Location to open your Opportunity Checking Account.

*APY=Annual Percentage Yield accurate as of 11/1/2018. Rates are subject to change. Limited to one Affinity Plus Checking account per primary account holder. Only consumer accounts in good standing are eligible. Qualifying accounts receive reimbursed ATM fees up to $10 per month. Balances over $25,000 do not earn dividends on the portion of the balance over $25,000. If qualifications are not met, all balances earn 0.00% APY. Qualifications do not have to be met to receive cell phone and identity theft insurance. Your wireless carrier may charge a data or text messaging fee. Please check with your provider. The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1–March 31). The advertised Affinity Plus APY is based on compounding dividends. The qualification cycle is not the same as your monthly statement cycle. Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. ATM-processed withdrawals do not count as qualifying debit card transactions. Accounts that do not satisfy the requirements of the account will still receive the insurance products and will be eligible for benefits in the following month. Secondary checking accounts for members who have more than one checking account will be designated as Affinity Basic accounts, which do not offer the extra benefits of Affinity Plus.* A separate fee may be charged by the institution that owns or operates the ATM.